Home > Crescent Bank > Performance and Condition Ratios
Crescent Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.2700% | 57 |
| Cost of funding earning assets | 3.1297% | 121 |
| Net interest margin | 13.1403% | 16 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 5.8760% | 178 |
| Loan and lease loss provision to assets | 7.6800% | 3 |
| Net operating income to assets | -0.6797% | 4,519 |
| Return on assets (ROA) | -0.6764% | 4,505 |
| Pretax return on assets | -0.8732% | 4,515 |
| Return on Equity (ROE) | -5.9300% | 4,476 |
| Retained earnings to average equity (ytd only) | -9.2673% | 4,457 |
| Net charge-offs to loans | 8.5455% | 8 |
| Credit loss provision to net charge-offs | 104.7918% | 1,797 |
| Earnings coverage of net charge-offs (x) | 0.9282% | 2,787 |
| Efficiency ratio | 46.3508% | 4,182 |
| Assets per employee ($millions) | 4.7106% | 3,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9460% | 31 |
| Loan loss allowance to noncurrent loans | 183.7216% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 2.7547% | 84 |
| Noncurrent loans to loans | 3.2364% | 130 |
| Net loans and leases to total assets | 80.0500% | 636 |
| Net loans and leases to deposits | 90.9797% | 1,185 |
| Net loans and leases to core deposits | 119.4921% | 639 |
| Total domestic deposits to total assets | 87.9900% | 1,363 |
| Equity capital to assets | 11.0632% | 1,444 |
| Core capital (leverage) ratio | 12.1706% | 1,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3954% | 1,421 |
| Memoranda: | ||
| Average total assets | $1,441,673,800 | 736 |
| Average earning assets | $1,369,192,800 | 716 |
| Average equity | $164,578,400 | 627 |
| Average total loans | $1,236,188,000 | 616 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.1555% | 53 |
| Cost of funding earning assets | 2.9513% | 128 |
| Net interest margin | 13.2043% | 14 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 6.0370% | 178 |
| Loan and lease loss provision to assets | 6.7800% | 4 |
| Net operating income to assets | -0.0428% | 4,453 |
| Return on assets (ROA) | -0.0385% | 4,434 |
| Pretax return on assets | -0.0501% | 4,427 |
| Return on Equity (ROE) | -0.3300% | 4,399 |
| Retained earnings to average equity (ytd only) | -2.7387% | 4,357 |
| Net charge-offs to loans | 7.5922% | 9 |
| Credit loss provision to net charge-offs | 103.9401% | 1,593 |
| Earnings coverage of net charge-offs (x) | 1.0309% | 2,550 |
| Efficiency ratio | 47.3090% | 4,076 |
| Assets per employee ($millions) | 3.8497% | 4,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6455% | 32 |
| Loan loss allowance to noncurrent loans | 191.7225% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 2.4581% | 99 |
| Noncurrent loans to loans | 2.9446% | 143 |
| Net loans and leases to total assets | 78.7600% | 782 |
| Net loans and leases to deposits | 90.2934% | 1,214 |
| Net loans and leases to core deposits | 117.1300% | 633 |
| Total domestic deposits to total assets | 87.2300% | 1,821 |
| Equity capital to assets | 11.2074% | 1,273 |
| Core capital (leverage) ratio | 12.7013% | 1,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1224% | 1,290 |
| Memoranda: | ||
| Average total assets | $1,447,513,750 | 735 |
| Average earning assets | $1,375,916,500 | 713 |
| Average equity | $166,402,000 | 619 |
| Average total loans | $1,243,526,250 | 610 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.1078% | 51 |
| Cost of funding earning assets | 2.7275% | 120 |
| Net interest margin | 13.3803% | 18 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 6.2691% | 167 |
| Loan and lease loss provision to assets | 6.6700% | 4 |
| Net operating income to assets | 0.0031% | 4,415 |
| Return on assets (ROA) | 0.0097% | 4,444 |
| Pretax return on assets | 0.0127% | 4,437 |
| Return on Equity (ROE) | 0.0800% | 4,433 |
| Retained earnings to average equity (ytd only) | -3.5134% | 4,365 |
| Net charge-offs to loans | 7.5070% | 10 |
| Credit loss provision to net charge-offs | 102.4875% | 1,422 |
| Earnings coverage of net charge-offs (x) | 1.0255% | 2,384 |
| Efficiency ratio | 48.4220% | 4,036 |
| Assets per employee ($millions) | 3.5726% | 4,328 |
| Cash dividends to net income (ytd only)* | 4,285.7143% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4412% | 39 |
| Loan loss allowance to noncurrent loans | 229.4384% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 2.0341% | 133 |
| Noncurrent loans to loans | 2.3715% | 203 |
| Net loans and leases to total assets | 81.1000% | 505 |
| Net loans and leases to deposits | 93.4497% | 913 |
| Net loans and leases to core deposits | 120.8746% | 494 |
| Total domestic deposits to total assets | 86.7900% | 1,993 |
| Equity capital to assets | 11.5752% | 1,183 |
| Core capital (leverage) ratio | 12.8794% | 1,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0181% | 1,315 |
| Memoranda: | ||
| Average total assets | $1,438,543,333 | 725 |
| Average earning assets | $1,367,398,667 | 704 |
| Average equity | $166,788,000 | 616 |
| Average total loans | $1,247,763,667 | 597 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.8395% | 9 |
| Cost of funding earning assets | 2.4391% | 112 |
| Net interest margin | 13.4004% | 9 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 6.3669% | 169 |
| Loan and lease loss provision to assets | 9.5300% | 2 |
| Net operating income to assets | -2.2339% | 4,654 |
| Return on assets (ROA) | -2.2323% | 4,651 |
| Pretax return on assets | -2.9044% | 4,650 |
| Return on Equity (ROE) | -19.2400% | 4,633 |
| Retained earnings to average equity (ytd only) | -21.6471% | 4,602 |
| Net charge-offs to loans | 8.8146% | 10 |
| Credit loss provision to net charge-offs | 123.9865% | 1,026 |
| Earnings coverage of net charge-offs (x) | 0.8619% | 1,992 |
| Efficiency ratio | 48.9995% | 4,025 |
| Assets per employee ($millions) | 3.4320% | 4,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7712% | 27 |
| Loan loss allowance to noncurrent loans | 285.4533% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 1.7913% | 153 |
| Noncurrent loans to loans | 2.0218% | 273 |
| Net loans and leases to total assets | 82.6300% | 315 |
| Net loans and leases to deposits | 94.6683% | 740 |
| Net loans and leases to core deposits | 121.1586% | 411 |
| Total domestic deposits to total assets | 87.2800% | 2,169 |
| Equity capital to assets | 11.2369% | 1,252 |
| Core capital (leverage) ratio | 12.6312% | 1,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3780% | 1,526 |
| Memoranda: | ||
| Average total assets | $1,430,784,500 | 743 |
| Average earning assets | $1,360,497,500 | 721 |
| Average equity | $166,026,500 | 628 |
| Average total loans | $1,248,064,000 | 601 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.1922% | 8 |
| Cost of funding earning assets | 1.5143% | 25 |
| Net interest margin | 13.6779% | 10 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 5.7806% | 176 |
| Loan and lease loss provision to assets | 6.7800% | 4 |
| Net operating income to assets | 0.0778% | 4,524 |
| Return on assets (ROA) | 0.0778% | 4,514 |
| Pretax return on assets | 0.7585% | 3,724 |
| Return on Equity (ROE) | 0.5400% | 4,517 |
| Retained earnings to average equity (ytd only) | -2.0252% | 4,480 |
| Net charge-offs to loans | 6.5925% | 6 |
| Credit loss provision to net charge-offs | 119.5644% | 1,463 |
| Earnings coverage of net charge-offs (x) | 1.3294% | 2,542 |
| Efficiency ratio | 43.3994% | 4,447 |
| Assets per employee ($millions) | 3.4137% | 4,463 |
| Cash dividends to net income (ytd only)* | 473.1861% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4080% | 85 |
| Loan loss allowance to noncurrent loans | 112.6604% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 2.6245% | 70 |
| Noncurrent loans to loans | 3.0251% | 138 |
| Net loans and leases to total assets | 83.8000% | 271 |
| Net loans and leases to deposits | 97.0098% | 587 |
| Net loans and leases to core deposits | 117.8830% | 407 |
| Total domestic deposits to total assets | 86.3900% | 2,608 |
| Equity capital to assets | 11.9800% | 942 |
| Core capital (leverage) ratio | 12.6248% | 1,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0625% | 1,613 |
| Memoranda: | ||
| Average total assets | $1,222,634,000 | 845 |
| Average earning assets | $1,161,201,000 | 817 |
| Average equity | $175,241,800 | 589 |
| Average total loans | $1,051,726,800 | 655 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.1122% | 7 |
| Cost of funding earning assets | 1.3487% | 14 |
| Net interest margin | 13.7635% | 9 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 5.6203% | 182 |
| Loan and lease loss provision to assets | 6.3900% | 3 |
| Net operating income to assets | 1.1007% | 2,090 |
| Return on assets (ROA) | 1.1007% | 2,058 |
| Pretax return on assets | 1.4146% | 1,670 |
| Return on Equity (ROE) | 7.3200% | 3,516 |
| Retained earnings to average equity (ytd only) | 3.9231% | 3,468 |
| Net charge-offs to loans | 4.8930% | 8 |
| Credit loss provision to net charge-offs | 152.1786% | 1,121 |
| Earnings coverage of net charge-offs (x) | 1.8587% | 2,264 |
| Efficiency ratio | 41.8691% | 4,525 |
| Assets per employee ($millions) | 3.3430% | 4,515 |
| Cash dividends to net income (ytd only)* | 46.3918% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0659% | 67 |
| Loan loss allowance to noncurrent loans | 144.2761% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 2.4573% | 87 |
| Noncurrent loans to loans | 2.8181% | 176 |
| Net loans and leases to total assets | 83.6500% | 276 |
| Net loans and leases to deposits | 98.5124% | 428 |
| Net loans and leases to core deposits | 118.0665% | 294 |
| Total domestic deposits to total assets | 84.9100% | 3,308 |
| Equity capital to assets | 13.0437% | 671 |
| Core capital (leverage) ratio | 13.9497% | 694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3385% | 1,329 |
| Memoranda: | ||
| Average total assets | $1,174,971,000 | 872 |
| Average earning assets | $1,114,833,750 | 850 |
| Average equity | $176,724,500 | 591 |
| Average total loans | $1,008,119,000 | 678 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.7347% | 7 |
| Cost of funding earning assets | 1.2025% | 15 |
| Net interest margin | 13.5322% | 9 |
| Noninterest income to average assets | 0.4024% | 2,743 |
| Noninterest expense to average assets | 6.0031% | 129 |
| Loan and lease loss provision to assets | 5.3225% | 4 |
| Net operating income to assets | 1.5049% | 700 |
| Return on assets (ROA) | 1.5049% | 676 |
| Pretax return on assets | 1.9323% | 441 |
| Return on Equity (ROE) | 9.5023% | 2,524 |
| Retained earnings to average equity (ytd only) | 4.4275% | 2,910 |
| Net charge-offs to loans | 3.7866% | 12 |
| Credit loss provision to net charge-offs | 164.8960% | 1,057 |
| Earnings coverage of net charge-offs (x) | 2.2476% | 2,037 |
| Efficiency ratio | 45.2795% | 4,483 |
| Assets per employee ($millions) | 3.2164% | 4,592 |
| Cash dividends to net income (ytd only)* | 53.4061% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6726% | 81 |
| Loan loss allowance to noncurrent loans | 153.3060% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 2.0721% | 133 |
| Noncurrent loans to loans | 2.3956% | 246 |
| Net loans and leases to total assets | 83.3194% | 214 |
| Net loans and leases to deposits | 99.6007% | 287 |
| Net loans and leases to core deposits | 116.0717% | 243 |
| Total domestic deposits to total assets | 83.6535% | 3,757 |
| Equity capital to assets | 14.1292% | 493 |
| Core capital (leverage) ratio | 15.4570% | 426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3594% | 1,107 |
| Memoranda: | ||
| Average total assets | $1,119,783,000 | 895 |
| Average earning assets | $1,063,789,000 | 877 |
| Average equity | $177,347,333 | 595 |
| Average total loans | $954,527,333 | 696 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.0784% | 10 |
| Cost of funding earning assets | 1.1173% | 19 |
| Net interest margin | 12.9611% | 9 |
| Noninterest income to average assets | 0.4347% | 2,470 |
| Noninterest expense to average assets | 6.1541% | 115 |
| Loan and lease loss provision to assets | 5.6715% | 2 |
| Net operating income to assets | 0.7350% | 2,907 |
| Return on assets (ROA) | 0.7350% | 2,900 |
| Pretax return on assets | 0.9200% | 2,701 |
| Return on Equity (ROE) | 4.3595% | 3,792 |
| Retained earnings to average equity (ytd only) | -5.7999% | 4,449 |
| Net charge-offs to loans | 4.9366% | 9 |
| Credit loss provision to net charge-offs | 135.9737% | 888 |
| Earnings coverage of net charge-offs (x) | 1.5803% | 1,733 |
| Efficiency ratio | 48.2843% | 4,389 |
| Assets per employee ($millions) | 3.1268% | 4,638 |
| Cash dividends to net income (ytd only)* | 233.0399% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4593% | 108 |
| Loan loss allowance to noncurrent loans | 149.8230% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 1.9673% | 150 |
| Noncurrent loans to loans | 2.3089% | 281 |
| Net loans and leases to total assets | 82.2569% | 150 |
| Net loans and leases to deposits | 100.6016% | 162 |
| Net loans and leases to core deposits | 115.5951% | 182 |
| Total domestic deposits to total assets | 81.7650% | 4,106 |
| Equity capital to assets | 15.9239% | 322 |
| Core capital (leverage) ratio | 17.0697% | 289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4128% | 841 |
| Memoranda: | ||
| Average total assets | $1,050,872,000 | 940 |
| Average earning assets | $998,153,000 | 921 |
| Average equity | $177,176,500 | 611 |
| Average total loans | $887,901,500 | 738 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.5020% | 8 |
| Cost of funding earning assets | 1.3887% | 14 |
| Net interest margin | 14.1133% | 10 |
| Noninterest income to average assets | 0.4826% | 2,667 |
| Noninterest expense to average assets | 6.2834% | 121 |
| Loan and lease loss provision to assets | 2.6799% | 5 |
| Net operating income to assets | 3.8127% | 63 |
| Return on assets (ROA) | 3.8127% | 66 |
| Pretax return on assets | 4.8859% | 59 |
| Return on Equity (ROE) | 21.9929% | 219 |
| Retained earnings to average equity (ytd only) | 21.9929% | 40 |
| Net charge-offs to loans | 3.7200% | 9 |
| Credit loss provision to net charge-offs | 85.5688% | 1,914 |
| Earnings coverage of net charge-offs (x) | 2.4158% | 2,585 |
| Efficiency ratio | 45.3701% | 4,526 |
| Assets per employee ($millions) | 3.0997% | 4,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3360% | 112 |
| Loan loss allowance to noncurrent loans | 104.2362% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 2.6795% | 91 |
| Noncurrent loans to loans | 3.2004% | 174 |
| Net loans and leases to total assets | 80.9295% | 225 |
| Net loans and leases to deposits | 101.3381% | 175 |
| Net loans and leases to core deposits | 115.3820% | 212 |
| Total domestic deposits to total assets | 79.8609% | 4,234 |
| Equity capital to assets | 17.8708% | 263 |
| Core capital (leverage) ratio | 18.3489% | 234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5283% | 596 |
| Memoranda: | ||
| Average total assets | $940,330,400 | 1,004 |
| Average earning assets | $890,586,400 | 988 |
| Average equity | $163,016,400 | 667 |
| Average total loans | $791,669,600 | 802 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.6930% | 8 |
| Cost of funding earning assets | 1.4518% | 13 |
| Net interest margin | 14.2412% | 10 |
| Noninterest income to average assets | 0.5165% | 2,552 |
| Noninterest expense to average assets | 5.7965% | 129 |
| Loan and lease loss provision to assets | 2.9620% | 5 |
| Net operating income to assets | 4.0385% | 64 |
| Return on assets (ROA) | 4.0385% | 64 |
| Pretax return on assets | 5.2298% | 59 |
| Return on Equity (ROE) | 23.4939% | 231 |
| Retained earnings to average equity (ytd only) | 23.4939% | 69 |
| Net charge-offs to loans | 3.2241% | 9 |
| Credit loss provision to net charge-offs | 108.9556% | 1,524 |
| Earnings coverage of net charge-offs (x) | 3.0133% | 2,329 |
| Efficiency ratio | 41.4382% | 4,676 |
| Assets per employee ($millions) | 2.8476% | 4,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1973% | 61 |
| Loan loss allowance to noncurrent loans | 146.8254% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 2.4386% | 126 |
| Noncurrent loans to loans | 2.8587% | 237 |
| Net loans and leases to total assets | 81.7239% | 204 |
| Net loans and leases to deposits | 103.2166% | 166 |
| Net loans and leases to core deposits | 118.3513% | 201 |
| Total domestic deposits to total assets | 79.1771% | 4,332 |
| Equity capital to assets | 18.1838% | 263 |
| Core capital (leverage) ratio | 18.2457% | 249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7358% | 623 |
| Memoranda: | ||
| Average total assets | $922,790,250 | 1,034 |
| Average earning assets | $872,926,000 | 1,016 |
| Average equity | $158,624,750 | 691 |
| Average total loans | $778,085,000 | 831 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.5984% | 9 |
| Cost of funding earning assets | 1.5196% | 13 |
| Net interest margin | 14.0789% | 10 |
| Noninterest income to average assets | 0.5822% | 2,290 |
| Noninterest expense to average assets | 5.8042% | 133 |
| Loan and lease loss provision to assets | 2.8058% | 6 |
| Net operating income to assets | 4.0793% | 70 |
| Return on assets (ROA) | 4.0793% | 70 |
| Pretax return on assets | 5.2727% | 61 |
| Return on Equity (ROE) | 24.2194% | 225 |
| Retained earnings to average equity (ytd only) | 24.2194% | 83 |
| Net charge-offs to loans | 2.6432% | 20 |
| Credit loss provision to net charge-offs | 126.4073% | 1,232 |
| Earnings coverage of net charge-offs (x) | 3.6395% | 2,065 |
| Efficiency ratio | 41.8092% | 4,703 |
| Assets per employee ($millions) | 3.0449% | 4,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3760% | 54 |
| Loan loss allowance to noncurrent loans | 207.7678% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 1.8155% | 253 |
| Noncurrent loans to loans | 2.1062% | 444 |
| Net loans and leases to total assets | 82.4276% | 201 |
| Net loans and leases to deposits | 103.1760% | 197 |
| Net loans and leases to core deposits | 117.5237% | 246 |
| Total domestic deposits to total assets | 79.8904% | 4,249 |
| Equity capital to assets | 17.6295% | 290 |
| Core capital (leverage) ratio | 17.9876% | 264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0441% | 699 |
| Memoranda: | ||
| Average total assets | $912,403,667 | 1,038 |
| Average earning assets | $861,959,000 | 1,020 |
| Average equity | $153,678,333 | 705 |
| Average total loans | $766,193,000 | 839 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.8503% | 8 |
| Cost of funding earning assets | 1.6360% | 13 |
| Net interest margin | 13.2142% | 8 |
| Noninterest income to average assets | 0.4108% | 3,036 |
| Noninterest expense to average assets | 5.8090% | 129 |
| Loan and lease loss provision to assets | 4.4753% | 1 |
| Net operating income to assets | 2.0431% | 541 |
| Return on assets (ROA) | 2.0431% | 582 |
| Pretax return on assets | 2.5952% | 377 |
| Return on Equity (ROE) | 12.4297% | 1,861 |
| Retained earnings to average equity (ytd only) | 12.4297% | 1,045 |
| Net charge-offs to loans | 3.8903% | 12 |
| Credit loss provision to net charge-offs | 138.8889% | 1,007 |
| Earnings coverage of net charge-offs (x) | 2.1943% | 1,817 |
| Efficiency ratio | 45.1027% | 4,520 |
| Assets per employee ($millions) | 3.1078% | 4,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6305% | 51 |
| Loan loss allowance to noncurrent loans | 170.3997% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 2.3389% | 187 |
| Noncurrent loans to loans | 2.7175% | 320 |
| Net loans and leases to total assets | 82.0832% | 225 |
| Net loans and leases to deposits | 101.8184% | 245 |
| Net loans and leases to core deposits | 116.8109% | 280 |
| Total domestic deposits to total assets | 80.6173% | 4,120 |
| Equity capital to assets | 16.9808% | 311 |
| Core capital (leverage) ratio | 16.5134% | 345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2809% | 757 |
| Memoranda: | ||
| Average total assets | $902,734,500 | 1,034 |
| Average earning assets | $851,810,500 | 1,021 |
| Average equity | $148,387,000 | 720 |
| Average total loans | $747,710,000 | 852 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.0098% | 8 |
| Cost of funding earning assets | 1.9855% | 9 |
| Net interest margin | 13.0243% | 8 |
| Noninterest income to average assets | 0.3037% | 3,657 |
| Noninterest expense to average assets | 6.3188% | 118 |
| Loan and lease loss provision to assets | 5.0922% | 7 |
| Net operating income to assets | 0.8845% | 2,765 |
| Return on assets (ROA) | 0.9306% | 2,707 |
| Pretax return on assets | 1.2099% | 2,293 |
| Return on Equity (ROE) | 6.5397% | 3,393 |
| Retained earnings to average equity (ytd only) | 6.5397% | 1,575 |
| Net charge-offs to loans | 6.6481% | 7 |
| Credit loss provision to net charge-offs | 91.1261% | 2,922 |
| Earnings coverage of net charge-offs (x) | 1.1173% | 3,280 |
| Efficiency ratio | 50.2987% | 4,512 |
| Assets per employee ($millions) | 3.1498% | 4,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4295% | 55 |
| Loan loss allowance to noncurrent loans | 126.1735% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 2.7982% | 144 |
| Noncurrent loans to loans | 3.5106% | 197 |
| Net loans and leases to total assets | 76.1751% | 767 |
| Net loans and leases to deposits | 93.0620% | 715 |
| Net loans and leases to core deposits | 106.5584% | 623 |
| Total domestic deposits to total assets | 81.8542% | 3,694 |
| Equity capital to assets | 15.9143% | 434 |
| Core capital (leverage) ratio | 15.6405% | 428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8868% | 783 |
| Memoranda: | ||
| Average total assets | $944,589,400 | 930 |
| Average earning assets | $889,077,600 | 911 |
| Average equity | $134,409,200 | 747 |
| Average total loans | $793,966,400 | 790 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.2246% | 8 |
| Cost of funding earning assets | 2.0308% | 11 |
| Net interest margin | 13.1938% | 8 |
| Noninterest income to average assets | 0.2908% | 3,745 |
| Noninterest expense to average assets | 6.1795% | 124 |
| Loan and lease loss provision to assets | 8.0772% | 2 |
| Net operating income to assets | -1.2001% | 4,957 |
| Return on assets (ROA) | -1.1391% | 4,953 |
| Pretax return on assets | -1.4756% | 4,966 |
| Return on Equity (ROE) | -8.2411% | 4,947 |
| Retained earnings to average equity (ytd only) | -8.2411% | 4,902 |
| Net charge-offs to loans | 6.9418% | 5 |
| Credit loss provision to net charge-offs | 136.7197% | 2,406 |
| Earnings coverage of net charge-offs (x) | 1.1043% | 3,094 |
| Efficiency ratio | 48.6428% | 4,574 |
| Assets per employee ($millions) | 3.1939% | 4,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9795% | 23 |
| Loan loss allowance to noncurrent loans | 177.3711% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 3.2033% | 130 |
| Noncurrent loans to loans | 3.9350% | 168 |
| Net loans and leases to total assets | 75.7245% | 1,136 |
| Net loans and leases to deposits | 90.3660% | 1,232 |
| Net loans and leases to core deposits | 103.2437% | 969 |
| Total domestic deposits to total assets | 83.7975% | 2,892 |
| Equity capital to assets | 13.9696% | 863 |
| Core capital (leverage) ratio | 13.7609% | 763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4363% | 1,153 |
| Memoranda: | ||
| Average total assets | $950,800,500 | 913 |
| Average earning assets | $894,529,250 | 896 |
| Average equity | $131,418,750 | 750 |
| Average total loans | $809,185,750 | 770 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.3697% | 8 |
| Cost of funding earning assets | 2.0721% | 15 |
| Net interest margin | 13.2976% | 8 |
| Noninterest income to average assets | 0.2640% | 3,888 |
| Noninterest expense to average assets | 6.4151% | 124 |
| Loan and lease loss provision to assets | 10.5319% | 2 |
| Net operating income to assets | -3.2122% | 5,036 |
| Return on assets (ROA) | -3.1214% | 5,034 |
| Pretax return on assets | -4.0459% | 5,041 |
| Return on Equity (ROE) | -22.6610% | 5,035 |
| Retained earnings to average equity (ytd only) | -22.6610% | 5,016 |
| Net charge-offs to loans | 6.8404% | 8 |
| Credit loss provision to net charge-offs | 178.4137% | 1,999 |
| Earnings coverage of net charge-offs (x) | 1.0793% | 2,883 |
| Efficiency ratio | 50.1721% | 4,495 |
| Assets per employee ($millions) | 3.3248% | 4,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.4724% | 18 |
| Loan loss allowance to noncurrent loans | 177.4078% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 3.6334% | 103 |
| Noncurrent loans to loans | 4.2120% | 152 |
| Net loans and leases to total assets | 78.9411% | 732 |
| Net loans and leases to deposits | 93.2431% | 1,026 |
| Net loans and leases to core deposits | 106.1647% | 888 |
| Total domestic deposits to total assets | 84.6616% | 2,515 |
| Equity capital to assets | 13.1695% | 1,090 |
| Core capital (leverage) ratio | 12.6669% | 1,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9780% | 1,490 |
| Memoranda: | ||
| Average total assets | $958,989,667 | 889 |
| Average earning assets | $903,062,333 | 872 |
| Average equity | $132,094,667 | 746 |
| Average total loans | $827,577,333 | 753 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.5932% | 9 |
| Cost of funding earning assets | 2.1081% | 21 |
| Net interest margin | 13.4850% | 9 |
| Noninterest income to average assets | 0.2573% | 4,001 |
| Noninterest expense to average assets | 7.0964% | 117 |
| Loan and lease loss provision to assets | 5.8787% | 13 |
| Net operating income to assets | 0.0078% | 4,747 |
| Return on assets (ROA) | 0.0078% | 4,733 |
| Pretax return on assets | 0.0152% | 4,723 |
| Return on Equity (ROE) | 0.0555% | 4,735 |
| Retained earnings to average equity (ytd only) | 0.0555% | 3,977 |
| Net charge-offs to loans | 7.7201% | 8 |
| Credit loss provision to net charge-offs | 87.7624% | 1,902 |
| Earnings coverage of net charge-offs (x) | 0.8799% | 2,433 |
| Efficiency ratio | 54.6283% | 4,345 |
| Assets per employee ($millions) | 3.4641% | 4,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1495% | 66 |
| Loan loss allowance to noncurrent loans | 111.2088% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 3.2515% | 166 |
| Noncurrent loans to loans | 3.7313% | 230 |
| Net loans and leases to total assets | 82.5587% | 388 |
| Net loans and leases to deposits | 98.5379% | 655 |
| Net loans and leases to core deposits | 112.1457% | 747 |
| Total domestic deposits to total assets | 83.7838% | 2,859 |
| Equity capital to assets | 13.9880% | 1,064 |
| Core capital (leverage) ratio | 14.0577% | 903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4802% | 1,480 |
| Memoranda: | ||
| Average total assets | $973,006,000 | 843 |
| Average earning assets | $918,736,000 | 824 |
| Average equity | $136,841,000 | 711 |
| Average total loans | $844,237,000 | 712 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.2391% | 10 |
| Cost of funding earning assets | 2.0811% | 42 |
| Net interest margin | 13.1580% | 10 |
| Noninterest income to average assets | 0.3068% | 3,852 |
| Noninterest expense to average assets | 6.3006% | 131 |
| Loan and lease loss provision to assets | 5.8612% | 6 |
| Net operating income to assets | 0.5050% | 4,393 |
| Return on assets (ROA) | 0.5054% | 4,445 |
| Pretax return on assets | 0.6640% | 4,293 |
| Return on Equity (ROE) | 3.7059% | 4,531 |
| Retained earnings to average equity (ytd only) | 3.7059% | 3,142 |
| Net charge-offs to loans | 6.4354% | 9 |
| Credit loss provision to net charge-offs | 103.9520% | 2,380 |
| Earnings coverage of net charge-offs (x) | 1.1572% | 3,567 |
| Efficiency ratio | 49.1265% | 4,778 |
| Assets per employee ($millions) | 1.9091% | 5,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4176% | 46 |
| Loan loss allowance to noncurrent loans | 138.5384% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 2.8259% | 201 |
| Noncurrent loans to loans | 3.1887% | 276 |
| Net loans and leases to total assets | 83.5516% | 364 |
| Net loans and leases to deposits | 99.6870% | 625 |
| Net loans and leases to core deposits | 113.7693% | 682 |
| Total domestic deposits to total assets | 83.8139% | 2,903 |
| Equity capital to assets | 14.1412% | 1,042 |
| Core capital (leverage) ratio | 13.8869% | 956 |
| Tier 1 risk-based capital ratio | 15.4738% | 2,587 |
| Total risk-based capital ratio | 16.7608% | 2,509 |
| Memoranda: | ||
| Average total assets | $981,029,800 | 800 |
| Average earning assets | $933,350,000 | 767 |
| Average equity | $133,788,000 | 686 |
| Average total loans | $859,527,800 | 668 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.1023% | 9 |
| Cost of funding earning assets | 2.0491% | 52 |
| Net interest margin | 13.0532% | 10 |
| Noninterest income to average assets | 0.3614% | 3,564 |
| Noninterest expense to average assets | 6.1824% | 133 |
| Loan and lease loss provision to assets | 5.6133% | 6 |
| Net operating income to assets | 0.7660% | 3,789 |
| Return on assets (ROA) | 0.7665% | 3,855 |
| Pretax return on assets | 1.0058% | 3,580 |
| Return on Equity (ROE) | 5.6718% | 4,136 |
| Retained earnings to average equity (ytd only) | 5.6718% | 2,522 |
| Net charge-offs to loans | 6.1822% | 7 |
| Credit loss provision to net charge-offs | 103.5739% | 2,182 |
| Earnings coverage of net charge-offs (x) | 1.2212% | 3,320 |
| Efficiency ratio | 48.2972% | 4,837 |
| Assets per employee ($millions) | 2.2015% | 5,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2016% | 54 |
| Loan loss allowance to noncurrent loans | 148.9728% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 2.5209% | 271 |
| Noncurrent loans to loans | 2.8204% | 371 |
| Net loans and leases to total assets | 84.3439% | 312 |
| Net loans and leases to deposits | 100.4685% | 598 |
| Net loans and leases to core deposits | 114.0578% | 747 |
| Total domestic deposits to total assets | 83.9507% | 2,840 |
| Equity capital to assets | 13.9135% | 1,188 |
| Core capital (leverage) ratio | 13.7295% | 1,068 |
| Tier 1 risk-based capital ratio | 15.2279% | 2,750 |
| Total risk-based capital ratio | 16.5127% | 2,667 |
| Memoranda: | ||
| Average total assets | $985,736,750 | 793 |
| Average earning assets | $939,386,000 | 765 |
| Average equity | $133,218,250 | 688 |
| Average total loans | $864,137,000 | 670 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.0274% | 8 |
| Cost of funding earning assets | 2.0024% | 58 |
| Net interest margin | 13.0250% | 9 |
| Noninterest income to average assets | 0.3693% | 3,470 |
| Noninterest expense to average assets | 6.0984% | 138 |
| Loan and lease loss provision to assets | 5.3736% | 5 |
| Net operating income to assets | 0.9863% | 2,972 |
| Return on assets (ROA) | 0.9871% | 3,040 |
| Pretax return on assets | 1.2972% | 2,566 |
| Return on Equity (ROE) | 7.3766% | 3,539 |
| Retained earnings to average equity (ytd only) | 7.3766% | 1,664 |
| Net charge-offs to loans | 5.8199% | 11 |
| Credit loss provision to net charge-offs | 105.4768% | 1,893 |
| Earnings coverage of net charge-offs (x) | 1.3092% | 3,030 |
| Efficiency ratio | 47.7623% | 4,909 |
| Assets per employee ($millions) | 2.1581% | 5,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1784% | 58 |
| Loan loss allowance to noncurrent loans | 173.9792% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 2.1371% | 409 |
| Noncurrent loans to loans | 2.4016% | 514 |
| Net loans and leases to total assets | 83.7796% | 374 |
| Net loans and leases to deposits | 99.2325% | 739 |
| Net loans and leases to core deposits | 112.1278% | 862 |
| Total domestic deposits to total assets | 84.4276% | 2,716 |
| Equity capital to assets | 13.6458% | 1,268 |
| Core capital (leverage) ratio | 13.6187% | 1,071 |
| Tier 1 risk-based capital ratio | 15.0079% | 2,840 |
| Total risk-based capital ratio | 16.2921% | 2,746 |
| Memoranda: | ||
| Average total assets | $986,295,670 | 789 |
| Average earning assets | $938,884,670 | 762 |
| Average equity | $131,985,330 | 687 |
| Average total loans | $863,383,330 | 673 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.8108% | 8 |
| Cost of funding earning assets | 1.9412% | 67 |
| Net interest margin | 12.8696% | 9 |
| Noninterest income to average assets | 0.4257% | 3,008 |
| Noninterest expense to average assets | 5.7401% | 149 |
| Loan and lease loss provision to assets | 6.2729% | 7 |
| Net operating income to assets | 0.4668% | 4,605 |
| Return on assets (ROA) | 0.4668% | 4,627 |
| Pretax return on assets | 0.6322% | 4,458 |
| Return on Equity (ROE) | 3.5235% | 4,673 |
| Retained earnings to average equity (ytd only) | 3.5235% | 3,502 |
| Net charge-offs to loans | 7.0956% | 7 |
| Credit loss provision to net charge-offs | 100.9307% | 1,562 |
| Earnings coverage of net charge-offs (x) | 1.1110% | 2,621 |
| Efficiency ratio | 45.3936% | 5,049 |
| Assets per employee ($millions) | 2.1850% | 5,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0355% | 59 |
| Loan loss allowance to noncurrent loans | 179.1886% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 2.0261% | 478 |
| Noncurrent loans to loans | 2.2521% | 623 |
| Net loans and leases to total assets | 84.7296% | 306 |
| Net loans and leases to deposits | 99.9543% | 639 |
| Net loans and leases to core deposits | 112.8166% | 795 |
| Total domestic deposits to total assets | 84.7684% | 2,762 |
| Equity capital to assets | 13.3204% | 1,285 |
| Core capital (leverage) ratio | 13.3090% | 1,147 |
| Tier 1 risk-based capital ratio | 14.6352% | 3,044 |
| Total risk-based capital ratio | 15.9179% | 2,949 |
| Memoranda: | ||
| Average total assets | $981,996,500 | 798 |
| Average earning assets | $932,402,000 | 771 |
| Average equity | $130,097,500 | 698 |
| Average total loans | $860,143,000 | 678 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.8338% | 8 |
| Cost of funding earning assets | 1.7440% | 34 |
| Net interest margin | 13.0898% | 8 |
| Noninterest income to average assets | 0.2866% | 4,187 |
| Noninterest expense to average assets | 5.9061% | 136 |
| Loan and lease loss provision to assets | 5.8938% | 4 |
| Net operating income to assets | 1.1339% | 2,457 |
| Return on assets (ROA) | 1.1419% | 2,426 |
| Pretax return on assets | 0.9507% | 3,756 |
| Return on Equity (ROE) | 9.5412% | 2,729 |
| Retained earnings to average equity (ytd only) | 9.5412% | 728 |
| Net charge-offs to loans | 7.5596% | 7 |
| Credit loss provision to net charge-offs | 88.7916% | 2,738 |
| Earnings coverage of net charge-offs (x) | 1.0299% | 3,657 |
| Efficiency ratio | 46.3497% | 5,112 |
| Assets per employee ($millions) | 2.2139% | 5,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1132% | 54 |
| Loan loss allowance to noncurrent loans | 144.6637% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 2.5760% | 286 |
| Noncurrent loans to loans | 2.8433% | 381 |
| Net loans and leases to total assets | 83.3111% | 484 |
| Net loans and leases to deposits | 98.2681% | 877 |
| Net loans and leases to core deposits | 110.8684% | 952 |
| Total domestic deposits to total assets | 84.7794% | 2,737 |
| Equity capital to assets | 13.1756% | 1,265 |
| Core capital (leverage) ratio | 13.4292% | 1,095 |
| Tier 1 risk-based capital ratio | 14.7197% | 2,957 |
| Total risk-based capital ratio | 16.0029% | 2,873 |
| Memoranda: | ||
| Average total assets | $990,871,800 | 774 |
| Average earning assets | $942,888,800 | 744 |
| Average equity | $118,590,600 | 728 |
| Average total loans | $870,047,600 | 641 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.8897% | 8 |
| Cost of funding earning assets | 1.7105% | 28 |
| Net interest margin | 13.1792% | 9 |
| Noninterest income to average assets | 0.2889% | 4,225 |
| Noninterest expense to average assets | 5.8620% | 140 |
| Loan and lease loss provision to assets | 6.0498% | 7 |
| Net operating income to assets | 1.2054% | 2,219 |
| Return on assets (ROA) | 1.2161% | 2,175 |
| Pretax return on assets | 0.9435% | 3,891 |
| Return on Equity (ROE) | 10.4199% | 2,427 |
| Retained earnings to average equity (ytd only) | 10.4199% | 790 |
| Net charge-offs to loans | 7.5309% | 7 |
| Credit loss provision to net charge-offs | 91.2531% | 2,407 |
| Earnings coverage of net charge-offs (x) | 1.0532% | 3,379 |
| Efficiency ratio | 45.6378% | 5,160 |
| Assets per employee ($millions) | 2.2159% | 5,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5276% | 44 |
| Loan loss allowance to noncurrent loans | 162.1849% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 2.3990% | 377 |
| Noncurrent loans to loans | 2.7916% | 428 |
| Net loans and leases to total assets | 82.0440% | 708 |
| Net loans and leases to deposits | 94.7481% | 1,291 |
| Net loans and leases to core deposits | 107.1881% | 1,218 |
| Total domestic deposits to total assets | 86.5916% | 1,918 |
| Equity capital to assets | 12.3680% | 1,666 |
| Core capital (leverage) ratio | 12.4425% | 1,532 |
| Tier 1 risk-based capital ratio | 14.1053% | 3,317 |
| Total risk-based capital ratio | 15.3936% | 3,212 |
| Memoranda: | ||
| Average total assets | $993,954,000 | 768 |
| Average earning assets | $946,923,750 | 740 |
| Average equity | $116,006,000 | 736 |
| Average total loans | $875,008,000 | 632 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.8672% | 9 |
| Cost of funding earning assets | 1.6660% | 22 |
| Net interest margin | 13.2012% | 10 |
| Noninterest income to average assets | 0.2463% | 4,531 |
| Noninterest expense to average assets | 5.8441% | 146 |
| Loan and lease loss provision to assets | 6.3229% | 5 |
| Net operating income to assets | 1.2684% | 1,904 |
| Return on assets (ROA) | 1.2844% | 1,843 |
| Pretax return on assets | 0.6813% | 4,553 |
| Return on Equity (ROE) | 11.2232% | 2,028 |
| Retained earnings to average equity (ytd only) | 11.2232% | 628 |
| Net charge-offs to loans | 7.6463% | 6 |
| Credit loss provision to net charge-offs | 93.2098% | 2,130 |
| Earnings coverage of net charge-offs (x) | 1.0302% | 3,090 |
| Efficiency ratio | 45.5420% | 5,228 |
| Assets per employee ($millions) | 2.3032% | 5,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5715% | 43 |
| Loan loss allowance to noncurrent loans | 193.7249% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 2.0822% | 497 |
| Noncurrent loans to loans | 2.3598% | 570 |
| Net loans and leases to total assets | 84.2006% | 439 |
| Net loans and leases to deposits | 96.6090% | 1,086 |
| Net loans and leases to core deposits | 110.4477% | 973 |
| Total domestic deposits to total assets | 87.1560% | 1,772 |
| Equity capital to assets | 11.8053% | 1,989 |
| Core capital (leverage) ratio | 11.9231% | 1,766 |
| Tier 1 risk-based capital ratio | 13.2547% | 3,759 |
| Total risk-based capital ratio | 14.5442% | 3,661 |
| Memoranda: | ||
| Average total assets | $999,537,330 | 762 |
| Average earning assets | $952,956,670 | 738 |
| Average equity | $114,387,670 | 742 |
| Average total loans | $886,758,000 | 619 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.6424% | 8 |
| Cost of funding earning assets | 1.6097% | 23 |
| Net interest margin | 13.0326% | 8 |
| Noninterest income to average assets | 0.2409% | 4,562 |
| Noninterest expense to average assets | 6.0409% | 141 |
| Loan and lease loss provision to assets | 6.8198% | 4 |
| Net operating income to assets | 1.3069% | 1,620 |
| Return on assets (ROA) | 1.3069% | 1,625 |
| Pretax return on assets | -0.1886% | 5,435 |
| Return on Equity (ROE) | 11.6013% | 1,722 |
| Retained earnings to average equity (ytd only) | 11.6013% | 764 |
| Net charge-offs to loans | 10.0709% | 6 |
| Credit loss provision to net charge-offs | 76.1252% | 1,781 |
| Earnings coverage of net charge-offs (x) | 0.7402% | 2,618 |
| Efficiency ratio | 47.6711% | 5,206 |
| Assets per employee ($millions) | 2.3478% | 5,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1516% | 57 |
| Loan loss allowance to noncurrent loans | 176.5155% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 2.0752% | 534 |
| Noncurrent loans to loans | 2.3520% | 604 |
| Net loans and leases to total assets | 84.5666% | 379 |
| Net loans and leases to deposits | 96.8877% | 946 |
| Net loans and leases to core deposits | 113.0417% | 842 |
| Total domestic deposits to total assets | 87.2832% | 2,016 |
| Equity capital to assets | 11.3112% | 2,291 |
| Core capital (leverage) ratio | 11.6221% | 1,916 |
| Tier 1 risk-based capital ratio | 12.6271% | 4,156 |
| Total risk-based capital ratio | 13.9113% | 4,041 |
| Memoranda: | ||
| Average total assets | $1,002,969,000 | 759 |
| Average earning assets | $956,675,000 | 741 |
| Average equity | $112,987,500 | 755 |
| Average total loans | $892,198,000 | 617 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.4643% | 8 |
| Cost of funding earning assets | 1.5916% | 16 |
| Net interest margin | 12.8727% | 9 |
| Noninterest income to average assets | 0.2413% | 4,688 |
| Noninterest expense to average assets | 5.8040% | 155 |
| Loan and lease loss provision to assets | 5.9703% | 7 |
| Net operating income to assets | 0.8255% | 3,056 |
| Return on assets (ROA) | 0.8265% | 3,092 |
| Pretax return on assets | 0.8265% | 4,181 |
| Return on Equity (ROE) | 7.9507% | 2,816 |
| Retained earnings to average equity (ytd only) | 7.4588% | 935 |
| Net charge-offs to loans | 6.9180% | 9 |
| Credit loss provision to net charge-offs | 96.3125% | 2,678 |
| Earnings coverage of net charge-offs (x) | 1.0963% | 3,929 |
| Efficiency ratio | 46.0644% | 5,394 |
| Assets per employee ($millions) | 1.8800% | 5,578 |
| Cash dividends to net income (ytd only)* | 6.1867% | 4,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7380% | 42 |
| Loan loss allowance to noncurrent loans | 193.9713% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 2.1908% | 475 |
| Noncurrent loans to loans | 2.4426% | 560 |
| Net loans and leases to total assets | 85.4418% | 295 |
| Net loans and leases to deposits | 97.6604% | 927 |
| Net loans and leases to core deposits | 116.1174% | 716 |
| Total domestic deposits to total assets | 87.4887% | 1,767 |
| Equity capital to assets | 11.2188% | 2,413 |
| Core capital (leverage) ratio | 11.2662% | 2,117 |
| Tier 1 risk-based capital ratio | 12.3247% | 4,309 |
| Total risk-based capital ratio | 13.6163% | 4,196 |
| Memoranda: | ||
| Average total assets | $1,026,750,000 | 719 |
| Average earning assets | $985,735,600 | 687 |
| Average equity | $106,733,400 | 766 |
| Average total loans | $920,024,200 | 578 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.3744% | 9 |
| Cost of funding earning assets | 1.5839% | 14 |
| Net interest margin | 12.7905% | 10 |
| Noninterest income to average assets | 0.2274% | 4,850 |
| Noninterest expense to average assets | 5.8589% | 161 |
| Loan and lease loss provision to assets | 5.9167% | 8 |
| Net operating income to assets | 0.7578% | 3,706 |
| Return on assets (ROA) | 0.7591% | 3,756 |
| Pretax return on assets | 0.7591% | 4,455 |
| Return on Equity (ROE) | 7.4445% | 3,417 |
| Retained earnings to average equity (ytd only) | 6.7808% | 1,805 |
| Net charge-offs to loans | 6.7632% | 9 |
| Credit loss provision to net charge-offs | 97.6533% | 2,349 |
| Earnings coverage of net charge-offs (x) | 1.1016% | 3,599 |
| Efficiency ratio | 46.7464% | 5,395 |
| Assets per employee ($millions) | 1.8347% | 5,645 |
| Cash dividends to net income (ytd only)* | 8.9149% | 3,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8419% | 44 |
| Loan loss allowance to noncurrent loans | 210.4026% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 2.0567% | 617 |
| Noncurrent loans to loans | 2.3012% | 691 |
| Net loans and leases to total assets | 85.0446% | 334 |
| Net loans and leases to deposits | 97.2012% | 992 |
| Net loans and leases to core deposits | 116.6197% | 724 |
| Total domestic deposits to total assets | 87.4934% | 1,629 |
| Equity capital to assets | 10.9261% | 2,936 |
| Core capital (leverage) ratio | 10.7631% | 2,683 |
| Tier 1 risk-based capital ratio | 11.9713% | 4,644 |
| Total risk-based capital ratio | 13.2643% | 4,498 |
| Memoranda: | ||
| Average total assets | $1,034,343,000 | 721 |
| Average earning assets | $995,161,750 | 688 |
| Average equity | $105,471,250 | 778 |
| Average total loans | $926,614,000 | 574 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.2586% | 9 |
| Cost of funding earning assets | 1.5691% | 12 |
| Net interest margin | 12.6895% | 11 |
| Noninterest income to average assets | 0.2201% | 4,933 |
| Noninterest expense to average assets | 5.9561% | 157 |
| Loan and lease loss provision to assets | 6.1531% | 10 |
| Net operating income to assets | 0.3433% | 5,118 |
| Return on assets (ROA) | 0.3437% | 5,137 |
| Pretax return on assets | 0.3437% | 5,274 |
| Return on Equity (ROE) | 3.4500% | 4,987 |
| Retained earnings to average equity (ytd only) | 3.4500% | 3,657 |
| Net charge-offs to loans | 6.6242% | 11 |
| Credit loss provision to net charge-offs | 103.6085% | 1,960 |
| Earnings coverage of net charge-offs (x) | 1.0939% | 3,320 |
| Efficiency ratio | 47.8303% | 5,397 |
| Assets per employee ($millions) | 1.9344% | 5,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9995% | 43 |
| Loan loss allowance to noncurrent loans | 265.6152% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 1.6758% | 870 |
| Noncurrent loans to loans | 1.8822% | 928 |
| Net loans and leases to total assets | 84.5820% | 387 |
| Net loans and leases to deposits | 95.7830% | 1,100 |
| Net loans and leases to core deposits | 114.8472% | 759 |
| Total domestic deposits to total assets | 88.3059% | 1,301 |
| Equity capital to assets | 10.3470% | 3,519 |
| Core capital (leverage) ratio | 10.2094% | 3,260 |
| Tier 1 risk-based capital ratio | 11.4546% | 4,987 |
| Total risk-based capital ratio | 12.7499% | 4,851 |
| Memoranda: | ||
| Average total assets | $1,043,368,670 | 717 |
| Average earning assets | $1,005,790,000 | 681 |
| Average equity | $103,943,330 | 790 |
| Average total loans | $935,414,670 | 574 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.0752% | 9 |
| Cost of funding earning assets | 1.5494% | 14 |
| Net interest margin | 12.5258% | 11 |
| Noninterest income to average assets | 0.2106% | 5,004 |
| Noninterest expense to average assets | 5.9922% | 162 |
| Loan and lease loss provision to assets | 7.1395% | 4 |
| Net operating income to assets | -0.8388% | 5,775 |
| Return on assets (ROA) | -0.8388% | 5,775 |
| Pretax return on assets | -0.8388% | 5,761 |
| Return on Equity (ROE) | -8.5825% | 5,773 |
| Retained earnings to average equity (ytd only) | -8.5825% | 5,547 |
| Net charge-offs to loans | 7.7173% | 9 |
| Credit loss provision to net charge-offs | 102.8412% | 1,535 |
| Earnings coverage of net charge-offs (x) | 0.9076% | 2,785 |
| Efficiency ratio | 48.7455% | 5,433 |
| Assets per employee ($millions) | 1.7783% | 5,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8253% | 54 |
| Loan loss allowance to noncurrent loans | 232.9109% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 1.8690% | 738 |
| Noncurrent loans to loans | 2.0717% | 849 |
| Net loans and leases to total assets | 85.8604% | 232 |
| Net loans and leases to deposits | 96.7216% | 871 |
| Net loans and leases to core deposits | 115.4997% | 609 |
| Total domestic deposits to total assets | 88.7706% | 1,275 |
| Equity capital to assets | 9.8215% | 3,953 |
| Core capital (leverage) ratio | 9.6903% | 3,882 |
| Tier 1 risk-based capital ratio | 10.7832% | 5,421 |
| Total risk-based capital ratio | 12.0764% | 5,318 |
| Memoranda: | ||
| Average total assets | $1,050,498,500 | 712 |
| Average earning assets | $1,013,298,000 | 680 |
| Average equity | $102,674,000 | 798 |
| Average total loans | $944,997,500 | 572 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.3064% | 11 |
| Cost of funding earning assets | 1.5114% | 16 |
| Net interest margin | 12.7950% | 12 |
| Noninterest income to average assets | 0.2652% | 4,832 |
| Noninterest expense to average assets | 6.0011% | 165 |
| Loan and lease loss provision to assets | 6.6905% | 3 |
| Net operating income to assets | -0.0872% | 5,682 |
| Return on assets (ROA) | -0.0867% | 5,690 |
| Pretax return on assets | -0.0867% | 5,687 |
| Return on Equity (ROE) | -0.7707% | 5,692 |
| Retained earnings to average equity (ytd only) | -15.3999% | 5,838 |
| Net charge-offs to loans | 6.2562% | 4 |
| Credit loss provision to net charge-offs | 120.2960% | 2,206 |
| Earnings coverage of net charge-offs (x) | 1.1873% | 4,028 |
| Efficiency ratio | 47.6112% | 5,588 |
| Assets per employee ($millions) | 1.6758% | 5,827 |
| Cash dividends to net income (ytd only)* | -1,898.2495% | 5,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6890% | 50 |
| Loan loss allowance to noncurrent loans | 204.0312% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 2.0616% | 652 |
| Noncurrent loans to loans | 2.2982% | 725 |
| Net loans and leases to total assets | 85.5001% | 267 |
| Net loans and leases to deposits | 95.9812% | 997 |
| Net loans and leases to core deposits | 116.4161% | 598 |
| Total domestic deposits to total assets | 89.0801% | 1,077 |
| Equity capital to assets | 9.7272% | 4,033 |
| Core capital (leverage) ratio | 9.7084% | 3,846 |
| Tier 1 risk-based capital ratio | 10.7728% | 5,452 |
| Total risk-based capital ratio | 12.0641% | 5,329 |
| Memoranda: | ||
| Average total assets | $1,054,479,400 | 685 |
| Average earning assets | $1,016,902,400 | 648 |
| Average equity | $118,598,400 | 671 |
| Average total loans | $937,415,000 | 542 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.2670% | 10 |
| Cost of funding earning assets | 1.4947% | 18 |
| Net interest margin | 12.7724% | 11 |
| Noninterest income to average assets | 0.2824% | 4,745 |
| Noninterest expense to average assets | 6.0384% | 165 |
| Loan and lease loss provision to assets | 4.9469% | 7 |
| Net operating income to assets | 1.6151% | 710 |
| Return on assets (ROA) | 1.6158% | 748 |
| Pretax return on assets | 1.6158% | 1,342 |
| Return on Equity (ROE) | 13.8928% | 847 |
| Retained earnings to average equity (ytd only) | -1.5739% | 5,559 |
| Net charge-offs to loans | 5.2291% | 7 |
| Credit loss provision to net charge-offs | 106.6619% | 2,258 |
| Earnings coverage of net charge-offs (x) | 1.4148% | 3,698 |
| Efficiency ratio | 47.9224% | 5,598 |
| Assets per employee ($millions) | 1.6887% | 5,892 |
| Cash dividends to net income (ytd only)* | 111.3289% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7213% | 94 |
| Loan loss allowance to noncurrent loans | 140.4938% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 2.3530% | 598 |
| Noncurrent loans to loans | 2.6487% | 627 |
| Net loans and leases to total assets | 85.5281% | 284 |
| Net loans and leases to deposits | 98.2098% | 835 |
| Net loans and leases to core deposits | 118.9955% | 540 |
| Total domestic deposits to total assets | 87.0871% | 1,859 |
| Equity capital to assets | 11.5393% | 2,482 |
| Core capital (leverage) ratio | 11.4351% | 2,086 |
| Tier 1 risk-based capital ratio | 12.4244% | 4,521 |
| Total risk-based capital ratio | 13.7034% | 4,399 |
| Memoranda: | ||
| Average total assets | $1,052,482,000 | 685 |
| Average earning assets | $1,015,041,750 | 651 |
| Average equity | $122,410,750 | 657 |
| Average total loans | $933,493,000 | 541 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.2449% | 10 |
| Cost of funding earning assets | 1.4821% | 20 |
| Net interest margin | 12.7628% | 11 |
| Noninterest income to average assets | 0.3149% | 4,528 |
| Noninterest expense to average assets | 6.0932% | 165 |
| Loan and lease loss provision to assets | 4.9231% | 8 |
| Net operating income to assets | 1.6107% | 702 |
| Return on assets (ROA) | 1.6117% | 745 |
| Pretax return on assets | 1.6117% | 1,340 |
| Return on Equity (ROE) | 13.8202% | 866 |
| Retained earnings to average equity (ytd only) | -4.5064% | 5,726 |
| Net charge-offs to loans | 4.4115% | 27 |
| Credit loss provision to net charge-offs | 125.8905% | 1,796 |
| Earnings coverage of net charge-offs (x) | 1.6708% | 3,373 |
| Efficiency ratio | 48.2553% | 5,653 |
| Assets per employee ($millions) | 1.6473% | 5,974 |
| Cash dividends to net income (ytd only)* | 132.6072% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0387% | 74 |
| Loan loss allowance to noncurrent loans | 220.5024% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 1.6361% | 1,113 |
| Noncurrent loans to loans | 1.8316% | 1,119 |
| Net loans and leases to total assets | 85.7185% | 273 |
| Net loans and leases to deposits | 98.3483% | 851 |
| Net loans and leases to core deposits | 118.7790% | 546 |
| Total domestic deposits to total assets | 87.1580% | 1,833 |
| Equity capital to assets | 11.4918% | 2,558 |
| Core capital (leverage) ratio | 11.3904% | 2,067 |
| Tier 1 risk-based capital ratio | 12.4335% | 4,571 |
| Total risk-based capital ratio | 13.7167% | 4,454 |
| Memoranda: | ||
| Average total assets | $1,048,111,330 | 687 |
| Average earning assets | $1,011,112,670 | 654 |
| Average equity | $122,227,000 | 655 |
| Average total loans | $929,121,330 | 544 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.9991% | 10 |
| Cost of funding earning assets | 1.4663% | 19 |
| Net interest margin | 12.5327% | 11 |
| Noninterest income to average assets | 0.3283% | 4,382 |
| Noninterest expense to average assets | 5.8686% | 184 |
| Loan and lease loss provision to assets | 5.2864% | 5 |
| Net operating income to assets | 1.2614% | 1,372 |
| Return on assets (ROA) | 1.2614% | 1,464 |
| Pretax return on assets | 1.2614% | 2,468 |
| Return on Equity (ROE) | 10.7380% | 1,699 |
| Retained earnings to average equity (ytd only) | -2.9576% | 5,468 |
| Net charge-offs to loans | 4.7593% | 15 |
| Credit loss provision to net charge-offs | 125.7862% | 1,387 |
| Earnings coverage of net charge-offs (x) | 1.5580% | 2,805 |
| Efficiency ratio | 47.2650% | 5,759 |
| Assets per employee ($millions) | 1.7141% | 6,026 |
| Cash dividends to net income (ytd only)* | 127.5433% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8135% | 105 |
| Loan loss allowance to noncurrent loans | 244.2128% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 1.3812% | 1,516 |
| Noncurrent loans to loans | 1.5615% | 1,490 |
| Net loans and leases to total assets | 85.0783% | 289 |
| Net loans and leases to deposits | 97.7137% | 782 |
| Net loans and leases to core deposits | 119.1565% | 488 |
| Total domestic deposits to total assets | 87.0689% | 2,179 |
| Equity capital to assets | 11.6103% | 2,334 |
| Core capital (leverage) ratio | 11.6557% | 1,857 |
| Tier 1 risk-based capital ratio | 12.7088% | 4,457 |
| Total risk-based capital ratio | 13.9891% | 4,343 |
| Memoranda: | ||
| Average total assets | $1,044,198,500 | 692 |
| Average earning assets | $1,007,154,000 | 653 |
| Average equity | $122,667,500 | 650 |
| Average total loans | $922,068,500 | 543 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.5012% | 9 |
| Cost of funding earning assets | 1.4840% | 16 |
| Net interest margin | 13.0171% | 11 |
| Noninterest income to average assets | 0.3278% | 4,556 |
| Noninterest expense to average assets | 6.2602% | 167 |
| Loan and lease loss provision to assets | 4.8871% | 5 |
| Net operating income to assets | 1.6929% | 586 |
| Return on assets (ROA) | 1.7027% | 592 |
| Pretax return on assets | 1.7027% | 991 |
| Return on Equity (ROE) | 15.4754% | 616 |
| Retained earnings to average equity (ytd only) | 5.0324% | 2,392 |
| Net charge-offs to loans | 4.9537% | 5 |
| Credit loss provision to net charge-offs | 111.6494% | 2,265 |
| Earnings coverage of net charge-offs (x) | 1.5032% | 4,072 |
| Efficiency ratio | 48.7549% | 5,809 |
| Assets per employee ($millions) | 1.6494% | 6,094 |
| Cash dividends to net income (ytd only)* | 67.4815% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6022% | 119 |
| Loan loss allowance to noncurrent loans | 175.9242% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 1.8050% | 1,052 |
| Noncurrent loans to loans | 2.0476% | 1,010 |
| Net loans and leases to total assets | 84.9777% | 313 |
| Net loans and leases to deposits | 97.8121% | 833 |
| Net loans and leases to core deposits | 119.0823% | 499 |
| Total domestic deposits to total assets | 86.8785% | 2,202 |
| Equity capital to assets | 11.8878% | 2,040 |
| Core capital (leverage) ratio | 11.9119% | 1,675 |
| Tier 1 risk-based capital ratio | 13.1004% | 4,246 |
| Total risk-based capital ratio | 14.3781% | 4,143 |
| Memoranda: | ||
| Average total assets | $1,013,893,000 | 681 |
| Average earning assets | $974,577,800 | 651 |
| Average equity | $111,557,800 | 687 |
| Average total loans | $895,899,000 | 529 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.5708% | 8 |
| Cost of funding earning assets | 1.4850% | 17 |
| Net interest margin | 13.0859% | 11 |
| Noninterest income to average assets | 0.3420% | 4,497 |
| Noninterest expense to average assets | 6.2579% | 170 |
| Loan and lease loss provision to assets | 4.8682% | 4 |
| Net operating income to assets | 1.7856% | 536 |
| Return on assets (ROA) | 1.7917% | 548 |
| Pretax return on assets | 1.7917% | 914 |
| Return on Equity (ROE) | 16.6255% | 516 |
| Retained earnings to average equity (ytd only) | 5.4699% | 2,596 |
| Net charge-offs to loans | 4.9475% | 8 |
| Credit loss provision to net charge-offs | 111.2890% | 2,100 |
| Earnings coverage of net charge-offs (x) | 1.5211% | 3,817 |
| Efficiency ratio | 48.4668% | 5,853 |
| Assets per employee ($millions) | 1.6372% | 6,182 |
| Cash dividends to net income (ytd only)* | 67.0993% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4813% | 154 |
| Loan loss allowance to noncurrent loans | 192.7702% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 1.6024% | 1,386 |
| Noncurrent loans to loans | 1.8059% | 1,314 |
| Net loans and leases to total assets | 85.6420% | 253 |
| Net loans and leases to deposits | 97.7950% | 830 |
| Net loans and leases to core deposits | 119.1600% | 497 |
| Total domestic deposits to total assets | 87.5730% | 1,764 |
| Equity capital to assets | 10.8957% | 3,130 |
| Core capital (leverage) ratio | 10.7473% | 2,777 |
| Tier 1 risk-based capital ratio | 11.8216% | 5,184 |
| Total risk-based capital ratio | 13.0977% | 5,094 |
| Memoranda: | ||
| Average total assets | $1,009,241,250 | 687 |
| Average earning assets | $969,430,000 | 661 |
| Average equity | $108,761,750 | 711 |
| Average total loans | $892,328,250 | 534 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.6599% | 8 |
| Cost of funding earning assets | 1.4750% | 16 |
| Net interest margin | 13.1849% | 11 |
| Noninterest income to average assets | 0.3584% | 4,382 |
| Noninterest expense to average assets | 6.0084% | 181 |
| Loan and lease loss provision to assets | 5.0035% | 3 |
| Net operating income to assets | 2.0050% | 362 |
| Return on assets (ROA) | 2.0141% | 371 |
| Pretax return on assets | 2.0141% | 581 |
| Return on Equity (ROE) | 18.7594% | 354 |
| Retained earnings to average equity (ytd only) | 6.1841% | 2,126 |
| Net charge-offs to loans | 4.7135% | 13 |
| Credit loss provision to net charge-offs | 120.2061% | 1,804 |
| Earnings coverage of net charge-offs (x) | 1.6837% | 3,467 |
| Efficiency ratio | 46.1584% | 6,038 |
| Assets per employee ($millions) | 1.6532% | 6,259 |
| Cash dividends to net income (ytd only)* | 67.0347% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4989% | 163 |
| Loan loss allowance to noncurrent loans | 248.3471% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 1.2473% | 2,019 |
| Noncurrent loans to loans | 1.4089% | 1,910 |
| Net loans and leases to total assets | 85.4362% | 268 |
| Net loans and leases to deposits | 97.4729% | 837 |
| Net loans and leases to core deposits | 119.7084% | 475 |
| Total domestic deposits to total assets | 87.6512% | 1,816 |
| Equity capital to assets | 10.5888% | 3,340 |
| Core capital (leverage) ratio | 10.6343% | 2,814 |
| Tier 1 risk-based capital ratio | 11.5571% | 5,424 |
| Total risk-based capital ratio | 12.8334% | 5,327 |
| Memoranda: | ||
| Average total assets | $1,007,290,330 | 691 |
| Average earning assets | $967,075,670 | 666 |
| Average equity | $108,148,330 | 715 |
| Average total loans | $889,536,670 | 532 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.6196% | 7 |
| Cost of funding earning assets | 1.4684% | 16 |
| Net interest margin | 13.1512% | 10 |
| Noninterest income to average assets | 0.3066% | 4,736 |
| Noninterest expense to average assets | 6.4403% | 173 |
| Loan and lease loss provision to assets | 5.0362% | 5 |
| Net operating income to assets | 1.4559% | 930 |
| Return on assets (ROA) | 1.4559% | 990 |
| Pretax return on assets | 1.4559% | 1,710 |
| Return on Equity (ROE) | 13.4643% | 993 |
| Retained earnings to average equity (ytd only) | 12.5365% | 498 |
| Net charge-offs to loans | 4.8003% | 16 |
| Credit loss provision to net charge-offs | 118.9573% | 1,457 |
| Earnings coverage of net charge-offs (x) | 1.5335% | 2,910 |
| Efficiency ratio | 49.7999% | 5,925 |
| Assets per employee ($millions) | 1.5973% | 6,329 |
| Cash dividends to net income (ytd only)* | 6.8908% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3014% | 214 |
| Loan loss allowance to noncurrent loans | 181.2546% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 1.6085% | 1,590 |
| Noncurrent loans to loans | 1.8214% | 1,486 |
| Net loans and leases to total assets | 85.3918% | 226 |
| Net loans and leases to deposits | 97.4294% | 727 |
| Net loans and leases to core deposits | 119.8427% | 419 |
| Total domestic deposits to total assets | 87.6448% | 2,018 |
| Equity capital to assets | 10.7924% | 3,202 |
| Core capital (leverage) ratio | 10.8644% | 2,557 |
| Tier 1 risk-based capital ratio | 11.8297% | 5,349 |
| Total risk-based capital ratio | 13.1039% | 5,222 |
| Memoranda: | ||
| Average total assets | $996,792,000 | 695 |
| Average earning assets | $956,965,000 | 671 |
| Average equity | $107,781,000 | 716 |
| Average total loans | $879,114,000 | 533 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.1979% | 11 |
| Cost of funding earning assets | 1.5104% | 21 |
| Net interest margin | 12.6875% | 14 |
| Noninterest income to average assets | 0.3189% | 4,837 |
| Noninterest expense to average assets | 6.6797% | 152 |
| Loan and lease loss provision to assets | 4.0580% | 10 |
| Net operating income to assets | 1.7057% | 575 |
| Return on assets (ROA) | 1.7138% | 585 |
| Pretax return on assets | 1.7138% | 956 |
| Return on Equity (ROE) | 15.5342% | 693 |
| Retained earnings to average equity (ytd only) | -0.7642% | 5,890 |
| Net charge-offs to loans | 3.2693% | 29 |
| Credit loss provision to net charge-offs | 139.7097% | 1,700 |
| Earnings coverage of net charge-offs (x) | 1.9843% | 4,283 |
| Efficiency ratio | 53.6807% | 5,866 |
| Assets per employee ($millions) | 1.5593% | 6,427 |
| Cash dividends to net income (ytd only)* | 104.9195% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2070% | 240 |
| Loan loss allowance to noncurrent loans | 161.2013% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 1.7523% | 1,509 |
| Noncurrent loans to loans | 1.9895% | 1,398 |
| Net loans and leases to total assets | 85.2524% | 259 |
| Net loans and leases to deposits | 97.2279% | 814 |
| Net loans and leases to core deposits | 120.5833% | 398 |
| Total domestic deposits to total assets | 87.6830% | 1,935 |
| Equity capital to assets | 10.8340% | 3,080 |
| Core capital (leverage) ratio | 10.9973% | 2,414 |
| Tier 1 risk-based capital ratio | 11.8589% | 5,456 |
| Total risk-based capital ratio | 13.1316% | 5,346 |
| Memoranda: | ||
| Average total assets | $920,406,800 | 727 |
| Average earning assets | $879,560,000 | 697 |
| Average equity | $101,544,000 | 720 |
| Average total loans | $817,733,800 | 542 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.0404% | 11 |
| Cost of funding earning assets | 1.5263% | 24 |
| Net interest margin | 12.5141% | 13 |
| Noninterest income to average assets | 0.3421% | 4,703 |
| Noninterest expense to average assets | 6.6808% | 147 |
| Loan and lease loss provision to assets | 3.8553% | 9 |
| Net operating income to assets | 1.7612% | 544 |
| Return on assets (ROA) | 1.7723% | 549 |
| Pretax return on assets | 1.7723% | 936 |
| Return on Equity (ROE) | 15.9865% | 679 |
| Retained earnings to average equity (ytd only) | -3.5918% | 6,187 |
| Net charge-offs to loans | 2.5976% | 60 |
| Credit loss provision to net charge-offs | 166.6667% | 1,468 |
| Earnings coverage of net charge-offs (x) | 2.4281% | 3,914 |
| Efficiency ratio | 54.3269% | 5,795 |
| Assets per employee ($millions) | 1.4939% | 6,509 |
| Cash dividends to net income (ytd only)* | 122.4676% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3104% | 266 |
| Loan loss allowance to noncurrent loans | 192.1953% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 1.5193% | 2,026 |
| Noncurrent loans to loans | 1.7224% | 1,885 |
| Net loans and leases to total assets | 85.2896% | 238 |
| Net loans and leases to deposits | 97.6835% | 754 |
| Net loans and leases to core deposits | 122.3077% | 343 |
| Total domestic deposits to total assets | 87.3122% | 2,147 |
| Equity capital to assets | 11.0385% | 2,914 |
| Core capital (leverage) ratio | 11.2412% | 2,270 |
| Tier 1 risk-based capital ratio | 12.0760% | 5,436 |
| Total risk-based capital ratio | 13.3499% | 5,345 |
| Memoranda: | ||
| Average total assets | $906,081,250 | 741 |
| Average earning assets | $865,615,500 | 713 |
| Average equity | $100,448,750 | 729 |
| Average total loans | $806,883,000 | 542 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.7840% | 12 |
| Cost of funding earning assets | 1.5516% | 22 |
| Net interest margin | 12.2324% | 15 |
| Noninterest income to average assets | 0.3705% | 4,475 |
| Noninterest expense to average assets | 6.5774% | 153 |
| Loan and lease loss provision to assets | 4.0921% | 8 |
| Net operating income to assets | 1.3819% | 1,105 |
| Return on assets (ROA) | 1.3819% | 1,149 |
| Pretax return on assets | 1.3819% | 1,961 |
| Return on Equity (ROE) | 12.4468% | 1,318 |
| Retained earnings to average equity (ytd only) | -7.9958% | 6,374 |
| Net charge-offs to loans | 1.9451% | 118 |
| Credit loss provision to net charge-offs | 235.4606% | 1,033 |
| Earnings coverage of net charge-offs (x) | 3.1498% | 3,380 |
| Efficiency ratio | 54.5775% | 5,864 |
| Assets per employee ($millions) | 1.4259% | 6,581 |
| Cash dividends to net income (ytd only)* | 164.2395% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3281% | 271 |
| Loan loss allowance to noncurrent loans | 243.3699% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 1.2299% | 2,637 |
| Noncurrent loans to loans | 1.3675% | 2,527 |
| Net loans and leases to total assets | 86.9466% | 132 |
| Net loans and leases to deposits | 99.6193% | 577 |
| Net loans and leases to core deposits | 124.5282% | 295 |
| Total domestic deposits to total assets | 87.2789% | 2,306 |
| Equity capital to assets | 11.1727% | 2,719 |
| Core capital (leverage) ratio | 11.3253% | 2,138 |
| Tier 1 risk-based capital ratio | 12.0692% | 5,504 |
| Total risk-based capital ratio | 13.3438% | 5,410 |
| Memoranda: | ||
| Average total assets | $894,396,000 | 749 |
| Average earning assets | $854,078,670 | 715 |
| Average equity | $99,302,670 | 736 |
| Average total loans | $799,119,330 | 547 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.2965% | 13 |
| Cost of funding earning assets | 1.5710% | 21 |
| Net interest margin | 11.7255% | 14 |
| Noninterest income to average assets | 0.3815% | 4,340 |
| Noninterest expense to average assets | 6.3158% | 168 |
| Loan and lease loss provision to assets | 4.8768% | 8 |
| Net operating income to assets | 0.3865% | 5,161 |
| Return on assets (ROA) | 0.3865% | 5,231 |
| Pretax return on assets | 0.3865% | 5,497 |
| Return on Equity (ROE) | 3.4927% | 5,271 |
| Retained earnings to average equity (ytd only) | -9.0106% | 6,326 |
| Net charge-offs to loans | 2.8354% | 73 |
| Credit loss provision to net charge-offs | 193.1716% | 1,075 |
| Earnings coverage of net charge-offs (x) | 2.0848% | 2,956 |
| Efficiency ratio | 54.5447% | 5,969 |
| Assets per employee ($millions) | 1.3921% | 6,650 |
| Cash dividends to net income (ytd only)* | 357.9812% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7682% | 566 |
| Loan loss allowance to noncurrent loans | 254.4495% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 0.9711% | 3,316 |
| Noncurrent loans to loans | 1.0879% | 3,242 |
| Net loans and leases to total assets | 86.7939% | 114 |
| Net loans and leases to deposits | 100.1013% | 432 |
| Net loans and leases to core deposits | 121.8005% | 291 |
| Total domestic deposits to total assets | 86.7060% | 2,993 |
| Equity capital to assets | 11.6013% | 2,167 |
| Core capital (leverage) ratio | 11.9315% | 1,692 |
| Tier 1 risk-based capital ratio | 12.6401% | 5,229 |
| Total risk-based capital ratio | 13.9078% | 5,151 |
| Memoranda: | ||
| Average total assets | $881,725,500 | 768 |
| Average earning assets | $842,025,000 | 734 |
| Average equity | $97,574,500 | 749 |
| Average total loans | $785,074,000 | 556 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.6491% | 13 |
| Cost of funding earning assets | 1.7424% | 24 |
| Net interest margin | 11.9066% | 16 |
| Noninterest income to average assets | 0.3343% | 4,942 |
| Noninterest expense to average assets | 6.9819% | 147 |
| Loan and lease loss provision to assets | 2.5671% | 27 |
| Net operating income to assets | 2.1473% | 266 |
| Return on assets (ROA) | 2.1597% | 261 |
| Pretax return on assets | 2.1597% | 330 |
| Return on Equity (ROE) | 19.9875% | 276 |
| Retained earnings to average equity (ytd only) | 3.4985% | 3,737 |
| Net charge-offs to loans | 3.2712% | 67 |
| Credit loss provision to net charge-offs | 88.3359% | 2,808 |
| Earnings coverage of net charge-offs (x) | 1.6222% | 4,517 |
| Efficiency ratio | 59.6931% | 5,511 |
| Assets per employee ($millions) | 1.3827% | 6,730 |
| Cash dividends to net income (ytd only)* | 82.4965% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2120% | 1,159 |
| Loan loss allowance to noncurrent loans | 168.8549% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 1.1969% | 3,009 |
| Noncurrent loans to loans | 1.3100% | 2,950 |
| Net loans and leases to total assets | 86.8390% | 123 |
| Net loans and leases to deposits | 99.0871% | 531 |
| Net loans and leases to core deposits | 117.2719% | 388 |
| Total domestic deposits to total assets | 87.6390% | 2,398 |
| Equity capital to assets | 10.5114% | 3,142 |
| Core capital (leverage) ratio | 10.5678% | 2,825 |
| Tier 1 risk-based capital ratio | 11.4994% | 5,906 |
| Total risk-based capital ratio | 12.7603% | 5,843 |
| Memoranda: | ||
| Average total assets | $834,588,000 | 795 |
| Average earning assets | $796,412,400 | 756 |
| Average equity | $90,181,400 | 781 |
| Average total loans | $741,438,400 | 569 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.7673% | 10 |
| Cost of funding earning assets | 1.7717% | 23 |
| Net interest margin | 12.9956% | 12 |
| Noninterest income to average assets | 0.3609% | 4,810 |
| Noninterest expense to average assets | 7.1748% | 140 |
| Loan and lease loss provision to assets | 2.7050% | 22 |
| Net operating income to assets | 2.8838% | 123 |
| Return on assets (ROA) | 2.9006% | 123 |
| Pretax return on assets | 2.9006% | 151 |
| Return on Equity (ROE) | 26.6536% | 94 |
| Retained earnings to average equity (ytd only) | 4.7683% | 3,258 |
| Net charge-offs to loans | 2.7848% | 90 |
| Credit loss provision to net charge-offs | 109.3261% | 2,151 |
| Earnings coverage of net charge-offs (x) | 2.2588% | 4,090 |
| Efficiency ratio | 56.2132% | 5,877 |
| Assets per employee ($millions) | 1.4341% | 6,803 |
| Cash dividends to net income (ytd only)* | 82.1103% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7625% | 695 |
| Loan loss allowance to noncurrent loans | 185.6619% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 1.3602% | 2,921 |
| Noncurrent loans to loans | 1.4879% | 2,933 |
| Net loans and leases to total assets | 86.6874% | 122 |
| Net loans and leases to deposits | 99.2237% | 502 |
| Net loans and leases to core deposits | 118.0752% | 353 |
| Total domestic deposits to total assets | 87.3656% | 2,474 |
| Equity capital to assets | 10.5977% | 3,163 |
| Core capital (leverage) ratio | 10.7733% | 2,698 |
| Tier 1 risk-based capital ratio | 11.5561% | 6,029 |
| Total risk-based capital ratio | 12.8238% | 5,991 |
| Memoranda: | ||
| Average total assets | $826,850,000 | 805 |
| Average earning assets | $789,128,500 | 770 |
| Average equity | $89,981,750 | 791 |
| Average total loans | $734,641,000 | 573 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.6295% | 9 |
| Cost of funding earning assets | 1.8091% | 25 |
| Net interest margin | 13.8205% | 10 |
| Noninterest income to average assets | 0.4053% | 4,487 |
| Noninterest expense to average assets | 7.5059% | 132 |
| Loan and lease loss provision to assets | 2.6943% | 29 |
| Net operating income to assets | 3.3858% | 88 |
| Return on assets (ROA) | 3.4114% | 91 |
| Pretax return on assets | 3.4114% | 112 |
| Return on Equity (ROE) | 31.0603% | 66 |
| Retained earnings to average equity (ytd only) | 4.2379% | 3,597 |
| Net charge-offs to loans | 2.1160% | 203 |
| Credit loss provision to net charge-offs | 143.4828% | 1,587 |
| Earnings coverage of net charge-offs (x) | 3.2379% | 3,446 |
| Efficiency ratio | 55.2474% | 6,045 |
| Assets per employee ($millions) | 1.5045% | 6,843 |
| Cash dividends to net income (ytd only)* | 86.3558% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0351% | 563 |
| Loan loss allowance to noncurrent loans | 219.4031% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 1.2736% | 3,211 |
| Noncurrent loans to loans | 1.3833% | 3,232 |
| Net loans and leases to total assets | 86.8819% | 121 |
| Net loans and leases to deposits | 100.4748% | 400 |
| Net loans and leases to core deposits | 119.5104% | 327 |
| Total domestic deposits to total assets | 86.4713% | 3,128 |
| Equity capital to assets | 10.5705% | 3,206 |
| Core capital (leverage) ratio | 10.5943% | 2,774 |
| Tier 1 risk-based capital ratio | 11.5186% | 6,101 |
| Total risk-based capital ratio | 12.7895% | 6,051 |
| Memoranda: | ||
| Average total assets | $814,688,330 | 819 |
| Average earning assets | $776,978,000 | 781 |
| Average equity | $89,477,670 | 791 |
| Average total loans | $722,966,330 | 577 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.9951% | 9 |
| Cost of funding earning assets | 1.8529% | 19 |
| Net interest margin | 14.1423% | 9 |
| Noninterest income to average assets | 0.4767% | 3,942 |
| Noninterest expense to average assets | 7.6745% | 129 |
| Loan and lease loss provision to assets | 2.3485% | 46 |
| Net operating income to assets | 3.9390% | 62 |
| Return on assets (ROA) | 3.9390% | 65 |
| Pretax return on assets | 3.9390% | 84 |
| Return on Equity (ROE) | 35.1579% | 51 |
| Retained earnings to average equity (ytd only) | 15.4289% | 320 |
| Net charge-offs to loans | 2.4867% | 166 |
| Credit loss provision to net charge-offs | 106.9794% | 1,732 |
| Earnings coverage of net charge-offs (x) | 2.8641% | 2,916 |
| Efficiency ratio | 54.9671% | 6,158 |
| Assets per employee ($millions) | 1.5083% | 6,922 |
| Cash dividends to net income (ytd only)* | 56.1153% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7551% | 860 |
| Loan loss allowance to noncurrent loans | 187.7926% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 1.3772% | 3,207 |
| Noncurrent loans to loans | 1.4671% | 3,361 |
| Net loans and leases to total assets | 86.7846% | 101 |
| Net loans and leases to deposits | 99.5061% | 372 |
| Net loans and leases to core deposits | 122.5403% | 252 |
| Total domestic deposits to total assets | 87.2154% | 2,822 |
| Equity capital to assets | 11.1014% | 2,845 |
| Core capital (leverage) ratio | 11.4147% | 1,935 |
| Tier 1 risk-based capital ratio | 11.9669% | 5,938 |
| Total risk-based capital ratio | 13.2346% | 5,887 |
| Memoranda: | ||
| Average total assets | $796,248,000 | 844 |
| Average earning assets | $759,255,500 | 804 |
| Average equity | $89,209,000 | 803 |
| Average total loans | $702,941,000 | 594 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.0418% | 9 |
| Cost of funding earning assets | 2.2349% | 13 |
| Net interest margin | 13.8069% | 9 |
| Noninterest income to average assets | 0.3628% | 4,887 |
| Noninterest expense to average assets | 7.8122% | 119 |
| Loan and lease loss provision to assets | 1.4218% | 234 |
| Net operating income to assets | 4.2074% | 57 |
| Return on assets (ROA) | 4.2301% | 56 |
| Pretax return on assets | 4.2301% | 74 |
| Return on Equity (ROE) | 38.2493% | 27 |
| Retained earnings to average equity (ytd only) | 21.1068% | 55 |
| Net charge-offs to loans | 1.7997% | 451 |
| Credit loss provision to net charge-offs | 89.0738% | 3,509 |
| Earnings coverage of net charge-offs (x) | 3.5267% | 3,693 |
| Efficiency ratio | 58.1204% | 5,813 |
| Assets per employee ($millions) | 1.5408% | 6,981 |
| Cash dividends to net income (ytd only)* | 44.8179% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9380% | 704 |
| Loan loss allowance to noncurrent loans | 323.6657% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.8870% | 4,270 |
| Noncurrent loans to loans | 0.9077% | 4,367 |
| Net loans and leases to total assets | 84.6996% | 186 |
| Net loans and leases to deposits | 97.3827% | 540 |
| Net loans and leases to core deposits | 114.9949% | 385 |
| Total domestic deposits to total assets | 86.9760% | 2,857 |
| Equity capital to assets | 11.3120% | 2,617 |
| Core capital (leverage) ratio | 11.4318% | 1,923 |
| Tier 1 risk-based capital ratio | 12.3664% | 5,566 |
| Total risk-based capital ratio | 13.6361% | 5,505 |
| Memoranda: | ||
| Average total assets | $707,555,600 | 931 |
| Average earning assets | $670,237,000 | 897 |
| Average equity | $78,249,800 | 897 |
| Average total loans | $627,555,400 | 660 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.5182% | 9 |
| Cost of funding earning assets | 2.3097% | 10 |
| Net interest margin | 14.2085% | 9 |
| Noninterest income to average assets | 0.3847% | 4,750 |
| Noninterest expense to average assets | 7.9154% | 111 |
| Loan and lease loss provision to assets | 1.4200% | 227 |
| Net operating income to assets | 4.4963% | 53 |
| Return on assets (ROA) | 4.4963% | 53 |
| Pretax return on assets | 4.4963% | 70 |
| Return on Equity (ROE) | 40.9183% | 24 |
| Retained earnings to average equity (ytd only) | 17.6543% | 131 |
| Net charge-offs to loans | 1.3305% | 701 |
| Credit loss provision to net charge-offs | 119.7917% | 2,419 |
| Earnings coverage of net charge-offs (x) | 4.9910% | 3,142 |
| Efficiency ratio | 57.2267% | 5,892 |
| Assets per employee ($millions) | 1.4654% | 7,090 |
| Cash dividends to net income (ytd only)* | 56.8548% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3833% | 517 |
| Loan loss allowance to noncurrent loans | 334.6853% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 1.0055% | 4,273 |
| Noncurrent loans to loans | 1.0109% | 4,429 |
| Net loans and leases to total assets | 86.3203% | 137 |
| Net loans and leases to deposits | 99.1689% | 486 |
| Net loans and leases to core deposits | 114.7873% | 410 |
| Total domestic deposits to total assets | 87.0437% | 2,644 |
| Equity capital to assets | 11.0627% | 3,194 |
| Core capital (leverage) ratio | 10.9626% | 2,430 |
| Tier 1 risk-based capital ratio | 11.7635% | 6,074 |
| Total risk-based capital ratio | 13.0363% | 6,046 |
| Memoranda: | ||
| Average total assets | $691,072,250 | 961 |
| Average earning assets | $654,034,750 | 925 |
| Average equity | $75,938,000 | 930 |
| Average total loans | $615,701,000 | 671 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.8502% | 8 |
| Cost of funding earning assets | 2.3883% | 12 |
| Net interest margin | 14.4619% | 9 |
| Noninterest income to average assets | 0.4670% | 4,153 |
| Noninterest expense to average assets | 8.0069% | 110 |
| Loan and lease loss provision to assets | 1.4310% | 262 |
| Net operating income to assets | 4.6965% | 49 |
| Return on assets (ROA) | 4.6965% | 51 |
| Pretax return on assets | 4.6965% | 66 |
| Return on Equity (ROE) | 42.8456% | 34 |
| Retained earnings to average equity (ytd only) | 16.1143% | 222 |
| Net charge-offs to loans | 1.0172% | 1,086 |
| Credit loss provision to net charge-offs | 158.0582% | 1,757 |
| Earnings coverage of net charge-offs (x) | 6.7679% | 2,580 |
| Efficiency ratio | 56.6484% | 6,048 |
| Assets per employee ($millions) | 1.4906% | 7,147 |
| Cash dividends to net income (ytd only)* | 62.3897% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5781% | 468 |
| Loan loss allowance to noncurrent loans | 411.8644% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.8714% | 4,631 |
| Noncurrent loans to loans | 0.8688% | 4,762 |
| Net loans and leases to total assets | 85.1414% | 174 |
| Net loans and leases to deposits | 97.1725% | 566 |
| Net loans and leases to core deposits | 110.1007% | 575 |
| Total domestic deposits to total assets | 87.6188% | 2,387 |
| Equity capital to assets | 10.6523% | 3,510 |
| Core capital (leverage) ratio | 10.7460% | 2,547 |
| Tier 1 risk-based capital ratio | 11.5140% | 6,206 |
| Total risk-based capital ratio | 12.7918% | 6,170 |
| Memoranda: | ||
| Average total assets | $675,739,000 | 975 |
| Average earning assets | $638,616,000 | 948 |
| Average equity | $74,070,670 | 949 |
| Average total loans | $601,427,000 | 684 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.7517% | 7 |
| Cost of funding earning assets | 2.4924% | 10 |
| Net interest margin | 14.2592% | 10 |
| Noninterest income to average assets | 0.5183% | 3,791 |
| Noninterest expense to average assets | 8.0966% | 114 |
| Loan and lease loss provision to assets | 2.2082% | 124 |
| Net operating income to assets | 3.6711% | 75 |
| Return on assets (ROA) | 3.6711% | 83 |
| Pretax return on assets | 3.6711% | 109 |
| Return on Equity (ROE) | 32.9752% | 81 |
| Retained earnings to average equity (ytd only) | 23.8843% | 110 |
| Net charge-offs to loans | 1.5171% | 657 |
| Credit loss provision to net charge-offs | 162.8223% | 1,561 |
| Earnings coverage of net charge-offs (x) | 4.3351% | 2,593 |
| Efficiency ratio | 57.9329% | 5,923 |
| Assets per employee ($millions) | 1.4778% | 7,217 |
| Cash dividends to net income (ytd only)* | 27.5689% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6853% | 470 |
| Loan loss allowance to noncurrent loans | 393.9989% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.9493% | 4,610 |
| Noncurrent loans to loans | 0.9354% | 4,797 |
| Net loans and leases to total assets | 86.3262% | 111 |
| Net loans and leases to deposits | 99.0041% | 404 |
| Net loans and leases to core deposits | 109.3808% | 552 |
| Total domestic deposits to total assets | 87.1946% | 2,831 |
| Equity capital to assets | 11.0046% | 2,901 |
| Core capital (leverage) ratio | 11.3509% | 2,001 |
| Tier 1 risk-based capital ratio | 11.8628% | 6,045 |
| Total risk-based capital ratio | 13.1417% | 6,021 |
| Memoranda: | ||
| Average total assets | $652,128,000 | 1,013 |
| Average earning assets | $615,461,500 | 973 |
| Average equity | $72,600,000 | 961 |
| Average total loans | $582,950,000 | 709 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.2933% | 11 |
| Cost of funding earning assets | 2.7518% | 14 |
| Net interest margin | 12.5414% | 14 |
| Noninterest income to average assets | 0.4569% | 4,168 |
| Noninterest expense to average assets | 8.4614% | 93 |
| Loan and lease loss provision to assets | 1.5000% | 491 |
| Net operating income to assets | 2.2598% | 201 |
| Return on assets (ROA) | 2.2249% | 228 |
| Pretax return on assets | 2.2249% | 348 |
| Return on Equity (ROE) | 19.0764% | 310 |
| Retained earnings to average equity (ytd only) | 4.3989% | 3,045 |
| Net charge-offs to loans | 0.9981% | 1,739 |
| Credit loss provision to net charge-offs | 171.1468% | 1,565 |
| Earnings coverage of net charge-offs (x) | 4.2899% | 3,176 |
| Efficiency ratio | 69.2356% | 4,104 |
| Assets per employee ($millions) | 1.4975% | 7,262 |
| Cash dividends to net income (ytd only)* | 76.9407% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7845% | 439 |
| Loan loss allowance to noncurrent loans | 342.9665% | 975 |
| Noncurrent assets plus other real estate owned to assets | 1.1043% | 4,407 |
| Noncurrent loans to loans | 1.1035% | 4,506 |
| Net loans and leases to total assets | 85.7604% | 135 |
| Net loans and leases to deposits | 98.7455% | 517 |
| Net loans and leases to core deposits | 111.7123% | 573 |
| Total domestic deposits to total assets | 86.8499% | 2,848 |
| Equity capital to assets | 11.2723% | 2,718 |
| Core capital (leverage) ratio | 11.3310% | 2,019 |
| Tier 1 risk-based capital ratio | 12.2029% | 5,689 |
| Total risk-based capital ratio | 13.4829% | 5,634 |
| Memoranda: | ||
| Average total assets | $590,009,400 | 1,119 |
| Average earning assets | $553,446,400 | 1,074 |
| Average equity | $68,812,800 | 977 |
| Average total loans | $518,085,800 | 801 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.9525% | 14 |
| Cost of funding earning assets | 2.7937% | 15 |
| Net interest margin | 12.1588% | 15 |
| Noninterest income to average assets | 0.4545% | 4,262 |
| Noninterest expense to average assets | 8.3384% | 95 |
| Loan and lease loss provision to assets | 1.3072% | 574 |
| Net operating income to assets | 2.2153% | 249 |
| Return on assets (ROA) | 2.1995% | 272 |
| Pretax return on assets | 2.1995% | 423 |
| Return on Equity (ROE) | 18.6906% | 403 |
| Retained earnings to average equity (ytd only) | 3.3928% | 4,321 |
| Net charge-offs to loans | 0.8774% | 1,819 |
| Credit loss provision to net charge-offs | 170.3527% | 1,774 |
| Earnings coverage of net charge-offs (x) | 4.5906% | 3,015 |
| Efficiency ratio | 70.3016% | 3,909 |
| Assets per employee ($millions) | 1.3308% | 7,355 |
| Cash dividends to net income (ytd only)* | 81.8476% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7569% | 476 |
| Loan loss allowance to noncurrent loans | 398.2247% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.9242% | 4,908 |
| Noncurrent loans to loans | 0.9434% | 4,995 |
| Net loans and leases to total assets | 83.5160% | 254 |
| Net loans and leases to deposits | 96.7110% | 660 |
| Net loans and leases to core deposits | 110.5637% | 651 |
| Total domestic deposits to total assets | 86.3563% | 3,009 |
| Equity capital to assets | 11.4426% | 2,738 |
| Core capital (leverage) ratio | 11.4504% | 2,062 |
| Tier 1 risk-based capital ratio | 12.6531% | 5,363 |
| Total risk-based capital ratio | 13.9326% | 5,318 |
| Memoranda: | ||
| Average total assets | $581,393,000 | 1,133 |
| Average earning assets | $545,411,000 | 1,097 |
| Average equity | $68,417,750 | 989 |
| Average total loans | $508,453,000 | 834 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.5989% | 13 |
| Cost of funding earning assets | 2.8250% | 15 |
| Net interest margin | 11.7740% | 16 |
| Noninterest income to average assets | 0.3827% | 4,820 |
| Noninterest expense to average assets | 8.1373% | 109 |
| Loan and lease loss provision to assets | 1.0465% | 807 |
| Net operating income to assets | 2.2377% | 247 |
| Return on assets (ROA) | 2.2377% | 261 |
| Pretax return on assets | 2.2377% | 386 |
| Return on Equity (ROE) | 18.8320% | 404 |
| Retained earnings to average equity (ytd only) | 3.1264% | 4,287 |
| Net charge-offs to loans | 0.7430% | 2,017 |
| Credit loss provision to net charge-offs | 160.5996% | 1,889 |
| Earnings coverage of net charge-offs (x) | 5.0401% | 2,703 |
| Efficiency ratio | 71.2458% | 3,891 |
| Assets per employee ($millions) | 1.4225% | 7,418 |
| Cash dividends to net income (ytd only)* | 83.3983% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6350% | 543 |
| Loan loss allowance to noncurrent loans | 343.6259% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.9977% | 4,876 |
| Noncurrent loans to loans | 1.0578% | 4,890 |
| Net loans and leases to total assets | 85.0042% | 179 |
| Net loans and leases to deposits | 99.0025% | 543 |
| Net loans and leases to core deposits | 117.6093% | 485 |
| Total domestic deposits to total assets | 85.8607% | 3,403 |
| Equity capital to assets | 11.8475% | 2,212 |
| Core capital (leverage) ratio | 11.9510% | 1,621 |
| Tier 1 risk-based capital ratio | 12.9311% | 4,974 |
| Total risk-based capital ratio | 14.2093% | 4,931 |
| Memoranda: | ||
| Average total assets | $573,356,330 | 1,165 |
| Average earning assets | $537,559,330 | 1,131 |
| Average equity | $68,128,670 | 992 |
| Average total loans | $502,793,330 | 859 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.5267% | 16 |
| Cost of funding earning assets | 2.8858% | 14 |
| Net interest margin | 11.6409% | 18 |
| Noninterest income to average assets | 0.4110% | 4,621 |
| Noninterest expense to average assets | 8.2244% | 103 |
| Loan and lease loss provision to assets | 1.0503% | 713 |
| Net operating income to assets | 2.0445% | 325 |
| Return on assets (ROA) | 2.0445% | 340 |
| Pretax return on assets | 2.0445% | 518 |
| Return on Equity (ROE) | 17.1809% | 546 |
| Retained earnings to average equity (ytd only) | 8.3551% | 1,601 |
| Net charge-offs to loans | 1.0203% | 1,335 |
| Credit loss provision to net charge-offs | 117.7394% | 2,303 |
| Earnings coverage of net charge-offs (x) | 3.4694% | 2,732 |
| Efficiency ratio | 72.6587% | 3,738 |
| Assets per employee ($millions) | 1.3931% | 7,481 |
| Cash dividends to net income (ytd only)* | 51.3699% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5100% | 599 |
| Loan loss allowance to noncurrent loans | 178.9292% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 1.8063% | 3,559 |
| Noncurrent loans to loans | 1.9617% | 3,623 |
| Net loans and leases to total assets | 85.6019% | 146 |
| Net loans and leases to deposits | 100.1322% | 461 |
| Net loans and leases to core deposits | 121.9826% | 381 |
| Total domestic deposits to total assets | 85.4890% | 3,787 |
| Equity capital to assets | 12.1353% | 1,837 |
| Core capital (leverage) ratio | 11.8972% | 1,617 |
| Tier 1 risk-based capital ratio | 13.1674% | 4,691 |
| Total risk-based capital ratio | 14.4448% | 4,646 |
| Memoranda: | ||
| Average total assets | $571,276,500 | 1,179 |
| Average earning assets | $535,319,000 | 1,144 |
| Average equity | $67,982,500 | 990 |
| Average total loans | $499,474,500 | 881 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.6105% | 16 |
| Cost of funding earning assets | 3.1951% | 16 |
| Net interest margin | 11.4154% | 26 |
| Noninterest income to average assets | 0.2689% | 5,865 |
| Noninterest expense to average assets | 7.8924% | 117 |
| Loan and lease loss provision to assets | 1.4493% | 1,026 |
| Net operating income to assets | 1.6479% | 572 |
| Return on assets (ROA) | 1.6479% | 616 |
| Pretax return on assets | 1.6479% | 1,039 |
| Return on Equity (ROE) | 15.4424% | 654 |
| Retained earnings to average equity (ytd only) | 7.6291% | 1,107 |
| Net charge-offs to loans | 2.0376% | 989 |
| Credit loss provision to net charge-offs | 81.9363% | 5,489 |
| Earnings coverage of net charge-offs (x) | 1.7510% | 4,404 |
| Efficiency ratio | 71.8175% | 3,830 |
| Assets per employee ($millions) | 1.4497% | 7,554 |
| Cash dividends to net income (ytd only)* | 50.5964% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4967% | 599 |
| Loan loss allowance to noncurrent loans | 151.1871% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 2.0693% | 3,264 |
| Noncurrent loans to loans | 2.3128% | 3,205 |
| Net loans and leases to total assets | 83.1589% | 372 |
| Net loans and leases to deposits | 96.6069% | 811 |
| Net loans and leases to core deposits | 119.9103% | 530 |
| Total domestic deposits to total assets | 86.0797% | 3,318 |
| Equity capital to assets | 11.6696% | 2,148 |
| Core capital (leverage) ratio | 11.3838% | 1,900 |
| Tier 1 risk-based capital ratio | 12.8528% | 4,724 |
| Total risk-based capital ratio | 14.1287% | 4,674 |
| Memoranda: | ||
| Average total assets | $600,297,200 | 1,115 |
| Average earning assets | $563,766,800 | 1,075 |
| Average equity | $64,057,400 | 1,040 |
| Average total loans | $521,094,200 | 865 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.6785% | 16 |
| Cost of funding earning assets | 3.2373% | 18 |
| Net interest margin | 11.4411% | 25 |
| Noninterest income to average assets | 0.2538% | 6,083 |
| Noninterest expense to average assets | 7.7621% | 118 |
| Loan and lease loss provision to assets | 1.5838% | 820 |
| Net operating income to assets | 1.6625% | 666 |
| Return on assets (ROA) | 1.6625% | 720 |
| Pretax return on assets | 1.6625% | 1,182 |
| Return on Equity (ROE) | 15.9349% | 713 |
| Retained earnings to average equity (ytd only) | 5.9097% | 2,413 |
| Net charge-offs to loans | 2.1613% | 849 |
| Credit loss provision to net charge-offs | 84.2697% | 4,988 |
| Earnings coverage of net charge-offs (x) | 1.7273% | 4,410 |
| Efficiency ratio | 70.5105% | 3,968 |
| Assets per employee ($millions) | 1.5071% | 7,652 |
| Cash dividends to net income (ytd only)* | 62.9135% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5455% | 521 |
| Loan loss allowance to noncurrent loans | 188.2902% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 1.6065% | 4,040 |
| Noncurrent loans to loans | 1.8830% | 3,821 |
| Net loans and leases to total assets | 82.2883% | 463 |
| Net loans and leases to deposits | 94.9760% | 1,102 |
| Net loans and leases to core deposits | 122.1987% | 552 |
| Total domestic deposits to total assets | 86.6412% | 2,721 |
| Equity capital to assets | 10.9984% | 2,963 |
| Core capital (leverage) ratio | 10.8132% | 2,403 |
| Tier 1 risk-based capital ratio | 12.3032% | 5,180 |
| Total risk-based capital ratio | 13.5774% | 5,123 |
| Memoranda: | ||
| Average total assets | $606,129,000 | 1,109 |
| Average earning assets | $569,753,750 | 1,068 |
| Average equity | $63,239,250 | 1,057 |
| Average total loans | $527,071,000 | 856 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.7884% | 16 |
| Cost of funding earning assets | 3.2859% | 22 |
| Net interest margin | 11.5025% | 23 |
| Noninterest income to average assets | 0.2612% | 6,050 |
| Noninterest expense to average assets | 7.7120% | 126 |
| Loan and lease loss provision to assets | 1.8681% | 666 |
| Net operating income to assets | 1.4942% | 923 |
| Return on assets (ROA) | 1.4942% | 981 |
| Pretax return on assets | 1.4942% | 1,570 |
| Return on Equity (ROE) | 14.5771% | 929 |
| Retained earnings to average equity (ytd only) | 1.1479% | 5,296 |
| Net charge-offs to loans | 2.1566% | 833 |
| Credit loss provision to net charge-offs | 99.0099% | 4,149 |
| Earnings coverage of net charge-offs (x) | 1.7820% | 4,181 |
| Efficiency ratio | 69.6389% | 4,255 |
| Assets per employee ($millions) | 1.5371% | 7,714 |
| Cash dividends to net income (ytd only)* | 92.1255% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6964% | 474 |
| Loan loss allowance to noncurrent loans | 201.8987% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 1.5822% | 4,085 |
| Noncurrent loans to loans | 1.8308% | 3,965 |
| Net loans and leases to total assets | 83.2246% | 413 |
| Net loans and leases to deposits | 95.4084% | 1,101 |
| Net loans and leases to core deposits | 121.9931% | 632 |
| Total domestic deposits to total assets | 87.2299% | 2,416 |
| Equity capital to assets | 10.4438% | 3,482 |
| Core capital (leverage) ratio | 10.2160% | 2,920 |
| Tier 1 risk-based capital ratio | 11.6445% | 5,633 |
| Total risk-based capital ratio | 12.9163% | 5,575 |
| Memoranda: | ||
| Average total assets | $610,242,330 | 1,106 |
| Average earning assets | $573,666,000 | 1,068 |
| Average equity | $62,550,000 | 1,063 |
| Average total loans | $533,901,330 | 855 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.5425% | 22 |
| Cost of funding earning assets | 3.3793% | 20 |
| Net interest margin | 11.1632% | 26 |
| Noninterest income to average assets | 0.2749% | 5,955 |
| Noninterest expense to average assets | 7.7734% | 129 |
| Loan and lease loss provision to assets | 2.2472% | 477 |
| Net operating income to assets | 0.7439% | 3,242 |
| Return on assets (ROA) | 0.7439% | 3,349 |
| Pretax return on assets | 0.7439% | 4,082 |
| Return on Equity (ROE) | 7.3250% | 3,195 |
| Retained earnings to average equity (ytd only) | 0.2694% | 5,724 |
| Net charge-offs to loans | 1.2914% | 1,325 |
| Credit loss provision to net charge-offs | 197.7077% | 1,876 |
| Earnings coverage of net charge-offs (x) | 2.6315% | 3,221 |
| Efficiency ratio | 72.2135% | 3,889 |
| Assets per employee ($millions) | 1.4912% | 7,825 |
| Cash dividends to net income (ytd only)* | 96.3222% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8203% | 429 |
| Loan loss allowance to noncurrent loans | 203.0051% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 1.6814% | 3,952 |
| Noncurrent loans to loans | 1.8819% | 3,949 |
| Net loans and leases to total assets | 85.4696% | 249 |
| Net loans and leases to deposits | 97.5750% | 949 |
| Net loans and leases to core deposits | 129.4714% | 506 |
| Total domestic deposits to total assets | 87.5937% | 2,303 |
| Equity capital to assets | 10.0824% | 3,765 |
| Core capital (leverage) ratio | 9.9814% | 3,186 |
| Tier 1 risk-based capital ratio | 11.1397% | 6,013 |
| Total risk-based capital ratio | 12.4202% | 5,949 |
| Memoranda: | ||
| Average total assets | $614,098,000 | 1,117 |
| Average earning assets | $577,038,500 | 1,092 |
| Average equity | $62,361,500 | 1,072 |
| Average total loans | $540,501,500 | 873 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.2519% | 11 |
| Cost of funding earning assets | 3.7374% | 18 |
| Net interest margin | 11.5145% | 20 |
| Noninterest income to average assets | 0.4439% | 4,851 |
| Noninterest expense to average assets | 7.0204% | 205 |
| Loan and lease loss provision to assets | 3.3084% | 481 |
| Net operating income to assets | 1.0261% | 1,758 |
| Return on assets (ROA) | 1.0261% | 1,802 |
| Pretax return on assets | 1.0261% | 2,503 |
| Return on Equity (ROE) | 11.0533% | 1,400 |
| Retained earnings to average equity (ytd only) | 8.2122% | 645 |
| Net charge-offs to loans | 2.7649% | 809 |
| Credit loss provision to net charge-offs | 137.1471% | 3,593 |
| Earnings coverage of net charge-offs (x) | 1.7968% | 4,374 |
| Efficiency ratio | 61.8273% | 6,182 |
| Assets per employee ($millions) | 1.4474% | 7,909 |
| Cash dividends to net income (ytd only)* | 25.7031% | 3,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6349% | 475 |
| Loan loss allowance to noncurrent loans | 184.5683% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 1.7256% | 3,781 |
| Noncurrent loans to loans | 1.9694% | 3,691 |
| Net loans and leases to total assets | 83.9854% | 433 |
| Net loans and leases to deposits | 95.8613% | 1,349 |
| Net loans and leases to core deposits | 129.2227% | 1,323 |
| Total domestic deposits to total assets | 87.6114% | 2,168 |
| Equity capital to assets | 10.2287% | 3,482 |
| Core capital (leverage) ratio | 10.0294% | 3,056 |
| Tier 1 risk-based capital ratio | 11.4095% | 5,499 |
| Total risk-based capital ratio | 12.6878% | 5,426 |
| Memoranda: | ||
| Average total assets | $644,577,400 | 1,075 |
| Average earning assets | $610,796,000 | 1,024 |
| Average equity | $59,837,600 | 1,109 |
| Average total loans | $562,364,000 | 852 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.4414% | 12 |
| Cost of funding earning assets | 3.7910% | 20 |
| Net interest margin | 11.6503% | 18 |
| Noninterest income to average assets | 0.5061% | 4,437 |
| Noninterest expense to average assets | 6.7003% | 226 |
| Loan and lease loss provision to assets | 3.7394% | 342 |
| Net operating income to assets | 1.1291% | 1,641 |
| Return on assets (ROA) | 1.1291% | 1,712 |
| Pretax return on assets | 1.1291% | 2,477 |
| Return on Equity (ROE) | 12.4583% | 1,249 |
| Retained earnings to average equity (ytd only) | 9.1934% | 795 |
| Net charge-offs to loans | 2.5689% | 712 |
| Credit loss provision to net charge-offs | 166.8032% | 2,811 |
| Earnings coverage of net charge-offs (x) | 2.1717% | 4,201 |
| Efficiency ratio | 57.9172% | 6,724 |
| Assets per employee ($millions) | 1.4792% | 7,990 |
| Cash dividends to net income (ytd only)* | 26.2065% | 3,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7194% | 356 |
| Loan loss allowance to noncurrent loans | 157.0364% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 2.1376% | 3,176 |
| Noncurrent loans to loans | 2.3685% | 3,184 |
| Net loans and leases to total assets | 86.5319% | 310 |
| Net loans and leases to deposits | 98.9491% | 1,216 |
| Net loans and leases to core deposits | 130.6969% | 1,389 |
| Total domestic deposits to total assets | 87.4509% | 1,922 |
| Equity capital to assets | 9.8552% | 4,276 |
| Core capital (leverage) ratio | 9.3993% | 4,047 |
| Tier 1 risk-based capital ratio | 10.7761% | 6,189 |
| Total risk-based capital ratio | 12.0560% | 6,116 |
| Memoranda: | ||
| Average total assets | $653,382,500 | 1,078 |
| Average earning assets | $620,429,500 | 1,022 |
| Average equity | $59,214,750 | 1,137 |
| Average total loans | $570,186,250 | 854 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.2387% | 12 |
| Cost of funding earning assets | 3.7982% | 40 |
| Net interest margin | 11.4405% | 21 |
| Noninterest income to average assets | 0.3499% | 5,702 |
| Noninterest expense to average assets | 6.4898% | 269 |
| Loan and lease loss provision to assets | 3.7174% | 361 |
| Net operating income to assets | 1.0092% | 2,072 |
| Return on assets (ROA) | 1.0092% | 2,167 |
| Pretax return on assets | 1.0092% | 2,976 |
| Return on Equity (ROE) | 11.4498% | 1,572 |
| Retained earnings to average equity (ytd only) | 8.2845% | 1,124 |
| Net charge-offs to loans | 1.6231% | 1,167 |
| Credit loss provision to net charge-offs | 264.9398% | 1,759 |
| Earnings coverage of net charge-offs (x) | 3.3687% | 3,459 |
| Efficiency ratio | 57.8601% | 6,884 |
| Assets per employee ($millions) | 1.6215% | 8,042 |
| Cash dividends to net income (ytd only)* | 27.6449% | 2,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5940% | 348 |
| Loan loss allowance to noncurrent loans | 142.9699% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 2.2252% | 2,919 |
| Noncurrent loans to loans | 2.5138% | 2,877 |
| Net loans and leases to total assets | 85.3352% | 461 |
| Net loans and leases to deposits | 97.6084% | 1,579 |
| Net loans and leases to core deposits | 129.1763% | 1,633 |
| Total domestic deposits to total assets | 87.4261% | 2,044 |
| Equity capital to assets | 8.9598% | 5,375 |
| Core capital (leverage) ratio | 8.8381% | 4,883 |
| Tier 1 risk-based capital ratio | 9.9636% | 6,970 |
| Total risk-based capital ratio | 11.2420% | 6,873 |
| Memoranda: | ||
| Average total assets | $663,097,330 | 1,070 |
| Average earning assets | $629,830,330 | 1,024 |
| Average equity | $58,446,330 | 1,161 |
| Average total loans | $573,237,670 | 871 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.7009% | 16 |
| Cost of funding earning assets | 3.8192% | 57 |
| Net interest margin | 10.8817% | 23 |
| Noninterest income to average assets | 0.5793% | 3,695 |
| Noninterest expense to average assets | 6.4085% | 250 |
| Loan and lease loss provision to assets | 3.6285% | 281 |
| Net operating income to assets | 0.8823% | 2,783 |
| Return on assets (ROA) | 0.8823% | 2,926 |
| Pretax return on assets | 0.8823% | 3,783 |
| Return on Equity (ROE) | 10.0944% | 2,279 |
| Retained earnings to average equity (ytd only) | 5.5972% | 2,825 |
| Net charge-offs to loans | 1.0890% | 1,248 |
| Credit loss provision to net charge-offs | 390.1170% | 1,324 |
| Earnings coverage of net charge-offs (x) | 4.8498% | 2,802 |
| Efficiency ratio | 58.6896% | 6,592 |
| Assets per employee ($millions) | 1.7537% | 8,039 |
| Cash dividends to net income (ytd only)* | 44.5511% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1033% | 445 |
| Loan loss allowance to noncurrent loans | 236.5106% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 1.1830% | 4,304 |
| Noncurrent loans to loans | 1.3121% | 4,354 |
| Net loans and leases to total assets | 83.6224% | 746 |
| Net loans and leases to deposits | 95.6162% | 2,006 |
| Net loans and leases to core deposits | 122.4025% | 2,222 |
| Total domestic deposits to total assets | 87.4563% | 1,988 |
| Equity capital to assets | 8.6688% | 5,814 |
| Core capital (leverage) ratio | 8.6974% | 5,153 |
| Tier 1 risk-based capital ratio | 9.7283% | 7,223 |
| Total risk-based capital ratio | 10.9993% | 7,114 |
| Memoranda: | ||
| Average total assets | $661,436,000 | 1,073 |
| Average earning assets | $628,507,000 | 1,024 |
| Average equity | $57,814,500 | 1,174 |
| Average total loans | $564,910,500 | 887 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.3542% | 13 |
| Cost of funding earning assets | 4.0164% | 96 |
| Net interest margin | 12.3378% | 17 |
| Noninterest income to average assets | 1.0295% | 1,489 |
| Noninterest expense to average assets | 7.5533% | 250 |
| Loan and lease loss provision to assets | 3.6210% | 211 |
| Net operating income to assets | 1.3595% | 1,326 |
| Return on assets (ROA) | 1.3599% | 1,281 |
| Pretax return on assets | 1.3599% | 2,094 |
| Return on Equity (ROE) | 14.7764% | 956 |
| Retained earnings to average equity (ytd only) | 12.2590% | 212 |
| Net charge-offs to loans | 5.2949% | 89 |
| Credit loss provision to net charge-offs | 78.7460% | 5,930 |
| Earnings coverage of net charge-offs (x) | 1.0831% | 5,586 |
| Efficiency ratio | 60.2634% | 6,290 |
| Assets per employee ($millions) | 1.6870% | 8,100 |
| Cash dividends to net income (ytd only)* | 17.0369% | 4,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4589% | 715 |
| Loan loss allowance to noncurrent loans | 213.3417% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 1.0260% | 4,261 |
| Noncurrent loans to loans | 1.1526% | 4,230 |
| Net loans and leases to total assets | 82.4072% | 1,149 |
| Net loans and leases to deposits | 94.0410% | 2,750 |
| Net loans and leases to core deposits | 118.6470% | 2,820 |
| Total domestic deposits to total assets | 87.6291% | 1,653 |
| Equity capital to assets | 8.8150% | 5,626 |
| Core capital (leverage) ratio | 8.9548% | 4,798 |
| Tier 1 risk-based capital ratio | 10.0473% | 6,690 |
| Total risk-based capital ratio | 11.3112% | 6,548 |
| Memoranda: | ||
| Average total assets | $582,710,400 | 1,152 |
| Average earning assets | $543,348,000 | 1,140 |
| Average equity | $53,626,000 | 1,261 |
| Average total loans | $506,055,400 | 950 |